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T O P I C R E V I E W
Tom.usa
Posted - 13 August 2010 : 13:13:25 Hi First time poster - I have been reading this forum for the last few months- it has been a great help. So thanks to all the posters and the people who answer everything...
I live in the USA now and have been BR since March 2010. I have three questions:
1. I got a 'default' letter today (at my USA address) saying I had 14 days to pay up or they would take legal action. I see that lots of people have had default letters and it seems to be part of the BR process, but my letter just demands money and doesn't mention anything about my bankruptcy (which is not what other posters experience). They must know of the bankruptcy because there is NO WAY they could have my USA address other than from the BR register... Are they just trying it on. I am worried that now they have my USA address they will just pass it on to an american debt collection agency - which would destroy my american credit (currently unaffected because i'm outside the EU)
2. I got another letter from an OR today saying that they are applying for their release as trustee... It says nothing else. What does this mean - in normal english?
3. I got a third letter (bad news seems to come in three's) from HM Revenues & Customs asking for me to file my tax return for 2008 and 2009 which are both overdue (mostly because I have been out of the country so I neglected it). Does self-employed tax and part-time job tax survive my bankruptcy? I lost the old P45's too so i have no record of the tax I paid at my part time jobs, just records of payments into my account on my bank statements.... Any advice?
2 L A T E S T R E P L I E S (Newest First)
Richard P
Posted - 14 August 2010 : 12:57:22 Hi tom
as well as speaking to the OR as suggested by bridgewood you may want to send a copy of your bankruptcy court extract to the creditors.
If the debt is included int he bankruptcy once they have the court extract they should leave you alone
you can get a copy from the insolvency service website.
regards Richard
Bridgewood
Posted - 13 August 2010 : 15:24:06 Hi Tom
As far as any default letters are concerned - if they relate to debts covered by the bankruptcy I would simply write to the OR sending a copy of the chasing letter, and advise the debt collector that you are bankrupt, the debt is covered by the bankruptcy, and they should contact the OR for more information, not you - I can't advise on whether they may pass it on to a US collection agency
The OR will apply for his/her release when they believe they have done everything they need to do with regard to your case - you don't need to do anything
Tax returns for periods prior to bankruptcy do not need to be filled in - simply advise HMRC of the bankruptcy date and OR office and tell them you do not have the information to enable you to complete the paperwork.
Good luck
Bridgewood specialise in helping people deal with their debts and make the most of their financial situation - providing free, no obligation debt advice.
