Posted: Fri May 16, 2008 6:02 pm
filed for BR on 13.5.08 had a 10min chat with OR yesterday but actual interview isn't until a couple of weeks time.
She has stated that she will need to go through my debt and how I got there. I have been maintaining my min payments to all my creditors but have been using credit to live because there was no income left once everything paid, I did this until April 08 and then made no payments when I got paid at end of Apr but have not used any credit since then.
My debt is simply because I have lived beyond my means, I have had consolidation loans and then run up credit cards again.
I am seperated from my ex and have a son I had cancer 10years ok and have had several other ilnesses due to thetreament. My debts however have really only been builtup over last 5 years and basically I just went on spending frenzy wanting to give my son a good life, holidays etc after the treatment etc. Can anyone advise how this will be viewed by the OR.
Tess
She has stated that she will need to go through my debt and how I got there. I have been maintaining my min payments to all my creditors but have been using credit to live because there was no income left once everything paid, I did this until April 08 and then made no payments when I got paid at end of Apr but have not used any credit since then.
My debt is simply because I have lived beyond my means, I have had consolidation loans and then run up credit cards again.
I am seperated from my ex and have a son I had cancer 10years ok and have had several other ilnesses due to thetreament. My debts however have really only been builtup over last 5 years and basically I just went on spending frenzy wanting to give my son a good life, holidays etc after the treatment etc. Can anyone advise how this will be viewed by the OR.
Tess