Both H and I have sat and had a long hard think and have decided to go with the Big B route.
We are currently sorting out our finances and timings etc etc.
We are all up to date with utilities and rent thankfully. Just behind on loan, CC payment and Store card. We will be making token payments to these this week.
I think we'll be doing 'it' after pay day. We've redirected our pay into an account where no DD's are coming out so I think we'll withdraw the money and then go for it!!!!!!!!!!!
Although I feel very nervous I am starting to feel a little more at ease.
My main worry is what happens after..........
Although we won't be going stratight for this - for obvious reasons....
But when can you apply for a mortgage?
Also how long does Bankruptcy 'stay' with you after the 6 - 12 mnth period?
When you've become discharged - what does this mean? Does this mean you no longer have to tell people (financial) about being bankrupt.
I guess - the bit that worries me is that there will be something on files within banks etc etc that will stay with you FOREVER!!!! If you know what I mean.
I know this has all been covered _ but I just need to be sure where doing the right thing....................