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[eaglehigh]

Hi

My court bankruptcy appointment is tomorrow. I am really nervous about it.

I got advice from Citizens Advice Bureau and they filled in the forms for me as well.

I like many before me feels bad about going bankrupt but it was the only solution after I lost my job last year.

I tried IVA when everything was ok with my job, I had to cancel it after I lost the job.

It wasn't as many would say on here something I wanted to do. I wanted to pay my debts off myself, but when I tried reasoning that I lost my job and I would pay back a bit at a time they were not interested. It was always well can you borrow the money from parents or friends. I tried explaining I am unemployed and my parents are retired but they didn't want to listen so here I am.

I have no assets, as I use dad's car and I am back living with parents, hence why this seemed the best solution for me.

I thought of adding my thoughts here as I am nervous and wanted to share with like minded people.

My appointment is 10am so at least I won't have too long to think about it. I know this time tomorrow it will be over with. The quicker that time comes the better. I don't know what to expect. I mean I was told by the CAB advicer but I still not sure.
I have never been to a court of any sort before.

Ok enough of my babbling.

Here's to hopefully a debt free life

[Piston broke]

Hi Eagle

The court is nothing to worry about at all. All the judge does is look through your forms and signs the paperwork, may ask a question or two but thats about it. You may be lucky and not even see the Judge

[eaglehigh]

Hi PB

Thanks for replying. I have read on here that it is nothing to worry about, but I still feel nervous for many reasons, 1 being of course if they ask something I can't answer, also I have Crohns disease, so I am hoping my stomach behaves.

Once again thank you for the reply.

[Piston broke]

It will be a breeze mate

[eaglehigh]

Well I went, then found out I had not got a letter that proves I am on Jobseekers Income - Support allowance. I was not told I needed this as I took my signing on book with me thinking this would be enough prove.

Back I go on December 3rd.

They did do the affidavit while I was there, so I just need to go up and see the judge, but damn, my advisor did not know I needed that as well.

Oh well

[Thomas]

What a shame you now have to wait another month. Is that the first they could do? Why not keep in touch with court and say that as you are not working at the moment you can attend sooner if a space arises. Dont worry about not being able to answer questions. You sit down in front of the judge, he looks at the papers for a few moments, may ask if you have taken professional advice then stamps/signs and off you go. Usually takes about 3 minutes!

[eaglehigh]

Thanks for replying Thomas,

The earliest was November 20th but I need dad to take me for many different reasons but he has an appointment on that day which he had already canceled so we could do today. It's just rotten luck but still it has waited this long I guess it will wait for another month as much as I would like to get it sorted so I can start trying to sort the rest of my life out. It is like a heavy sack on my shoulders that I want to get off and settle it down.

So here's to a months time when I hope this will be sorted then and I can tell all the phone calls to stop calling.