Bankruptcy & Living With It

A question about : Bank accounts whilst bankcrupt

Hi there
Just want some advice my hubby and I are in a joint IVA. We don't know how things are going to go and feel there may be a better solution for us going BC instead.
BUT our major concern is opening a basic account. The ones I see mentioned and recommended are Nationwide, Barclays and Co-Operative. The problem is we have debts with all 3 companies and so they would be included in our BC.
Is there any other bank that would take us on???

A question about : Bankcruptcy?

To keep it breif.....

I owe about Ј67,000 all on usual loans etc... and not 1 thing to show for it!

ive tried cccs failed on a dmp.... im 26 in an unsteady relationship of 5 years and two young children, i rent and im the only one that works, im loosing control and all grip on reality!

I havnt paid my creditors for almost 3 years.

A question about : IVA or Bankruptcy? Or is there another way for me?

I am a newcomer to this site and have been reading various posts with interest but cannot seem to find the best way to approach my current financial problems.

I have written a little about my background and current situation in the hope someone can help steer me in the right direction so I can find my way out of debt.

A question about : Why would you chose IVA over Bankruptcy ?

(sorry if you have already seen this, I mistakenly posted this to an existing thread when meant to start new one)

Sounds like IVA's
- Cost a lot more than Bankruptcy
- Take more of your disposable income
- Last longer (5 versus 3 years)
- Good for Solicitors, Accountants, School Governer Wanna-Be's etc

A question about : bankruptcy fees

help! i'm in debt to the tune of about 18k and i'm a recently single parent with 3 kids. i'm on DMP but will be paying this off longer than my youngest (3) will be at home. i was just wondering, how do i get the fees up together to go bankrupt in the first place?
the debts are solely my fault...borrowing to pay off debts and getting swallowed up on credit and loans.
i'm just not sure what steps to take first and whether it is actually the right option.

A question about : Bankrupt today

Just thought I would let you know about my day. Got to court at 9am. Saw clerk at 9.30, very informal, just like being in the queue at the post office. Handed my papers over, told to go upstairs. Waited about 20 mins. Went into room, saw lovely judge, declared bankrupt at 10.21am.
Went to OR office, will be in touch with me within five days.
All in all, not what I thought it would be.
Everyone was very nice.

A question about : Where do I stand

Hi all

Quick question for you all.
I am discharge BR with an IIPA of Ј800 left to pay upto mid 2016.
I have just found that I am going to get a payout of a couple grand.
Obviously I will pay off the IPA but where do I stand with the rest?
does the IS/creditors have any other interest in this or will it be left up to me hopefully to repay some of the friends/family who helped me in the past.

Thanks

A question about : Is bankruptcy the best way out

Morning all have not been on here for a while so have had to re register as I lost my username.
Found this site last year which was a great help for me ,i finally took my head out of the sand and I had finally started taking a hold of my finances and had got my debt down from around 15k down to 9k in 8 months. Things were looking up until back in march i broke my leg in two places. Ever since then im ashamed to say I have struggled to live on Ј63 a week. And have been living off my credit card for the past 6 months.