My partner has just filed for bankruptcy. She does not work and incurred debts of around 15k mainly due to her bi polar disorder. What concerns me is that 2 1/2 years ago I filed for bankruptcy and was made subject to a BRU (diposing of cash from a house sale) at the time my partner and I where split up but got back together about a year and half ago. I have been paying her debts for her but decided it was time to file for bankruptcy as she found it very easy to get credit and make more debt. My worry is that they will link her bankruptcy to mine and may delve deeper into her accounts etc this will only cause her stress an possibly make her illness worse although she has nothing to hide...
Also when I filed for bankruptcy I was unemployed and was not subject to an IPA. A few months after bankruptcy I got a part time job (told the OR on a telephone conversation about this)..a month after discharge I got a good well paid job (45kpa) but did not inform the OR as I had been discharged.. Can an IPO still be made by the OR? im still within the BRU? and lastly.. on my bankruptcy forms I said I lived alone, which I did becuase me and the partner were seperated (house was in only my name) but I never declared that I had any dependents. I just didn't want them involved as they were no longer in my life. Can the OR come back and extend the BRU becuase of that?
Sorry about all the questions but any advice on any of them would be good...
Given your partner's illness, I don't see this being an issue for you. In fact, it may well be questionable whether the credit agreements she took out are actually enforceable as a result of her illness (did she fully understand what she was signing for for example).
If you are discharged from BR without an IPA/IPO, the OR cannot apply one retrospectively (even if you still are subject to a BRU/BRO), so you're in the clear!
Julian Donnelly Spokesperson for www.Bankruptcyhelp.org.uk Don't forget the helpline on 0800 078 9367
The main reason for asking all htese questions was that I thought her BR would be quite straight forward. but she had her telephone interview just yesterday and the OR gave her a real grilling asking what were the tablets she has been prescibed and lots of questions relating to when me and her were together not together. Today she has recieved a letter asking for 2 yrs of bank statements (which she does not have) and I thought they only went back 12mnths?
Telephone interviews are conducted by B3 examiners which are the lowest grade examiner. As a result, they do tend to work to scripts and try and get as much information as possible, even if it turns out to be irrelevant. Just let them know you don't have bank statements going back that length of time and they can get copies directly from the bank anyway!
Julian Donnelly Spokesperson for www.Bankruptcyhelp.org.uk Don't forget the helpline on 0800 078 9367
Help please
Posted - 27 August 2008 : 15:11:58
