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Posted: Tue Jan 22, 2008 10:56 pm
by mij
I was made bankrupt around 4 to 5 years ago now and now find myself in trouble once again can I file bankruptcy for second time or not any advice would be so helpfull indeed
Posted: Wed Jan 23, 2008 12:30 am
by MelanieGiles
There is nothing to stop you filing for bankruptcy a second time, but if your application is within 5 years of your previous discharge, your new discharge will not be automatic and you will have to apply to Court.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp
See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
Posted: Wed Jan 23, 2008 7:22 am
by mij
Thank you so what do you mean apply thru the courts if its after 5 years what happens then and have one final question my wife and I have have joint bank account it was opened in her name but the loan is in my name how do I file that so it doesn,t interfere with her good credit
Posted: Wed Jan 23, 2008 9:34 am
by MelanieGiles
Your wife would be better off opening her own bank account and taking her name off the joint account before you petition for bankruptcy.
With regard to my reference to Court - you will need to apply to Court for your discharge from bankruptcy, if you declare yourself bankrupt within 5 years of the last bankruptcy.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp
See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp