- Thu Jan 20, 2005 1:36 pm
I can only offer 'advice' through personal experience, but here goes:
- You are right in seeking professional advice; I don't know your circumstances but you need to be sure whether bankruptcy is in fact the best or only option for you? And if you do petition for bankruptcy you will be asked whether you have taken advice.
- Keep trying with the CAB - I know its hard to get through but you'll get there eventually. When you do get through though, make sure you get an appointment with a money advisor or debt case worker, as I and several others I know were given bad or inaccurate advice by well-meaning but ill-informed volunteers.
I would also strongly recommend calling National Debtline - again it might take a while to get through but they offer very good impartial advice.
- with regard to bank accounts - if you have a joint bank account but don't want your partner involved in any way with your bankruptcy you need to get your name taken off, which may only be possible if the account is not overdrawn
- general recommended 'procedure' (if it could be called that) before going ahead: get paid, make sure essential bills are paid, empty bank account, petition, open new basic bank account day after petitioning.
Hope this helps
- with regards to bills - you need to ensure or your essential bills (eg rent, gas, leccy, phone) are paid before you petition, otherwise these would have to be included in your bankruptcy, which could cause problems. Once they're up to date, probably best to get your phone line put in someone else's name.