Just been on the fone to RTOU and theyve told me that tomorrow they will discharge us early from our BR, cos no creditors have wrote back contesting it!! So they will write to the courts and get us discharged!! WOOOHOOO! Finally a life again!!
Does anyone have any info of what this means for the future? Do we still have to tell people we are BR, when will our credit rating be out of the red iykwim, anything else?
Best thing we ever did, HUGE decision to make, but worked out the best.
Hi
Well done,that is good news.
A record of your bankruptcy will be on your file for six years from the date that you were declared bankrupt. You should declare the fact that you were bankrupt if asked, some insurance companies will ask this question.
Regards
i went bankrupt yesterday, i think it was the best thing i have ever done in a sense, when you say the creditors did not contest it, what did you mean by that, can the disagree with the courts then?
You are automatically discharged at one year post BR. But if your conduct is good then it is possible for you to be discharged at 6months, but the OR has to contact ur creditors to see if anyone disagrees with it. If they dont then the OR applies to the court for discharge. If they do, i think you have to wait out the full year.
Good luck to you flashingblade and to you too stevenosman it was the right decision for ourselves aswell, feels like a great big boulder's been lifted off our shoulders what a relief!!! and if we were to be discharged early that would be a nice bonus x h4u x
I would like to wish you and yours all the very best for your future lives, and I hope the sun will shine on you all.
Poppyfairy [:)]
There's an old zen saying 'Only an empty bowl can be filled'. It means that the moment you think you have nothing left is the moment when growth and progress become inevitable. Everytime you see an empty bowl, think of the potential.
Good luck for the future and don't forget to let us know how you are getting on.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Thank you everyone for ur best wishes, it means a lot. And a huge thanks to this site. Its always been a massive source of support, and information, and im so grateful for it.
I dont pop on as much these days, but everyone is still very supportive when i need advice. I wish everyone all the best too, whatever route they take xxxxx
