I think (unsure as not getting much sleep with 2 wk old daughter!) I read somewhere (Sunday Times?) recently that creditors/ OR have the ability to claim against any property you own for up to 3 yrs after you've been discharged. Is this right?
Also, as a cheeky Part II to the question: I owe a couple of hundred on the phone line. Can we transfer this into my wife's name before the B happens, or do you have to clear the debt first?
Part III: If an old debt may have been written off but you're not sure (and are too chicken to ring up and ask) should you declare it anyway and let the OR sort it out?