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3dom
Starting Member
5 Posts |
 Posted - 12 July 2010 : 11:35:41
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| hello sorry if this seems really trivial but i have so many little things i need answers for becos they are constantly going round my head. how long after i declare myself bankrupt do they freeze your accounts, is it the day you go to court? if so when do i speak to OR about releasing money for bills and lettting wages in? TIA x |
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 12 July 2010 : 13:29:50
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Hi 3 dom
welcome to the forum, yes i know what you mean about head spinning prior to bankruptcy.
I had an expert (paul at reviva)help me, we opened a bank account with a bankruptcy friendly bank (Coop cashminder) about three months before court.
MY "Old bank" account was frozen on the day of the court.
amongst other advanced planning Paul had already helped me preplan bills , wages, shopping etc, so i am pleased to say it all went without a hitch
regards Richard |
Edited by - Richard P on 12 July 2010 13:30:51 |
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3dom
Starting Member
5 Posts |
Posted - 12 July 2010 : 15:58:34
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Hi thanks for getting back to me so soon, did you pay for this help? also isn't it deceiving the courts by opening another bank account before court? i hate all this i really wish there was another way but my only option is bankruptcy  i went to see a family friend who is a solicitor and he's helped me with my forms but i get so worried and anxious once i go back home! the solicitor told me i talk to much and i give too much information away when asked a question but i cant help this and he has now got me worried about the OR call and also the last part of my SOA where you put why you cant pay your debts. i realise i haven't really asked a question here but i just need to know i'm doing everything right. |
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 12 July 2010 : 17:08:39
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Hi 3dom
Yes i did,
No i declared my new bank account on my statement of affairs but it was a fresh account with no arrears.
yes we all talk toooo much when nervous or scared.
solicitors are experts at legal procedures but cover a vast area of expertise, try and speak to one of the experts on this forum, i think they all will provide the first phone call for free, it is is worth the call just to fully understand the process
regards Richard |
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3dom
Starting Member
5 Posts |
Posted - 12 July 2010 : 17:25:31
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| oh so i can also open another account for use after the bankruptcy? will it get frozen or will it be left if i specify that it was set up just before? none of my current accounts have arrears anyway but am scared in case they are frozen and payments get missed or money doesn't get paid in to pay the bills! so many if, whys and whats i feel like i'm going round in circles sometimes |
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debtinfo
forum expert
2826 Posts |
Posted - 12 July 2010 : 19:01:51
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| One of the first things that the OR will ask you is if you want an account left open to have your wages paid into, You just tell them about the new account and they will write to the bank saying they have no objection |
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how long after?
