www.iva.co.uk

Posted: **Wed Oct 31, 2007 1:23 pm**

Hi, All

Like to thank all the experts and fellow members for advice, I have my br appointment(court) on monday(5th nov), hope it all goes through.
I have 9k of debt and currently not working but wife is. Does the amount you want to declare matter as I have notice alot people in these posts have alot more 60k+ (which I hope get sorted

)and mine is nothing to some I`ve seen. I am in and out of work due to sress related illness I`ve have been last 10 years, but with this debt on my back it has been alot worse. For the last 5 years I been managing to just pay the minimum payments then missing payments then levelling them again thanks to my wife, but at present she is covering all my debt and it is taking its toll. I just wanting to get this debt of my back and try and start a fresh with my wife and maybe build a career and maybe kids in future before I`m too old(34 at min).

Anyway drop me a line if you like

Neil

Neil Jenkins

Posted: **Wed Oct 31, 2007 1:46 pm**

There is no monetary limit on the debts you can go bankrupt for, but I always feel that it is a shame for those people like you who have very low debts. We anticipate seeing a new procedure being introduced over the next year or so called a Debt Relief Order which will address this issue, but will be sadly too late for you.

Good luck at the hearing.

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 Oct 31, 2007 1:58 pm**

I just wanted to wish you good luck for Monday. Believe me it won't be as bad as you think. I think the minimum you can go BR for is £750 (Melanie please correct me if I'm wrong).

When I went BR it was a weight off my mind - although I had tried an IVA I knew it wouldn't work. I've had my ups and downs, but it does mean that I can move on with my life.

Good luck, and please keep posting for support and to let us know how you are getting on.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

Posted: **Wed Oct 31, 2007 2:04 pm**

Wish you the best of luck Neil for Monday. You sound like you have thought it through and a fresh start is what you need.

Lou

Posted: **Wed Oct 31, 2007 6:19 pm**

Thanks all for support, dont feel as alone now.

Neil

Neil Jenkins

Posted: **Wed Oct 31, 2007 6:42 pm**

Thats the beauty of this forum. You are not alone.
Good luck.

mrs skint

Posted: **Wed Oct 31, 2007 6:45 pm**

hi

Good luck for Monday, hope you get some peace of mind when this is all over

Pippa

Posted: **Wed Oct 31, 2007 6:53 pm**

Best Of luck for monday from me too.

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/

Posted: **Wed Oct 31, 2007 8:59 pm**

All the best for Monday....let us all know how it goes

Emma x

Posted: **Wed Oct 31, 2007 10:22 pm**

Good luck ..

Mish
BR since July

Posted: **Thu Nov 01, 2007 12:24 am**

neil good luck for monday, all will be well
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

Posted: **Thu Nov 01, 2007 1:05 am**

nothing wrong going BR,bravo, minimum payments are not worth doing- end this debt problem with a stroke of a pen.

The country is eating itself on debt -liberate and free youself from the Banks clutches

Posted: **Thu Nov 01, 2007 4:19 pm**

Good luck for Monday Neil - going BR won't be half as stressful as worrying about your debts!!!

Posted: **Fri Nov 02, 2007 5:57 pm**

all the best for monday

Posted: **Fri Nov 02, 2007 8:19 pm**

Good luck and try to stay relaxed,

cheers
Mish

www.iva.co.uk

Br appointment on monday 5th