Just want to report back on how the bankruptcy proceedings went.
As of 11.25am yesterday, i was declared bankrupt.
Got there about 10am. Filled in half the forms (that i recieved through the post from the court beforehand) before i went and left the ones i had questions on, til i got there. The clerk, Brenda, was very nice. After checking through the paperwork with me, she photocopied in triplicate.
The paperwork was sent upstairs via me, to the usher, who passed it to the judge.
I had to wait about 10 mins to see the judge, who was also very nice. I explained what had led me there and he made the order straight away.
I then had to go back downstairs, with my yellow folder and give it back to Brenda.
I was then told to sit near the phone as when it rang it would be for me, given a copy of my form i had filled in previously to go over anything the OR might ask and waited about another 10 minutes till i got the phone call.
The OR was also nice. Explained to me about the forms i would be getting through the post to fill in and return to her.
I was told to open a basic bank account and the building societys are supposed to be the best as they have less rules.
She explained that as i had a car (only worth about £500) and need it for work, to fill in the exempt form, included in among the forms i was being sent and then in future the OR wouldnt be able to consider taking it (even if i left employment next week, once the form is filled in, they cannot take the car)
She made a telephone appointment for the 11th Jan, by which time she will have contacted hopefully all the creditors on my form.
I have to keep and send her any letters from creditors asking for money, my accounts for when i was self employed and bank statements.
She said if i thought of anything else, then to tell her when she rings.
(i realised when i got home, that i forgot to announce my child benefit on the forms. I also need to get an address for a creditor)
Thats about it really. No dramas, no hassle.
I'm not even worried about the OR telephone call, as i have nothing to hide or be worried about. Just a set of unfortunate circumstances that led me to the banckruptcy court.
You have to remember that this is a job to them and they just want to get you through it and on to the next person as quickly as possible.
Now i just need to sort out a basic bank account for C.S.A., child benefit and wages.
Can i do this over the phone or internet, or do i have to do some legwork round town?
I will update you further, after the OR interview on the 11th Jan.