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rabbit007
Junior Member
112 Posts |
 Posted - 11 July 2009 : 23:31:52
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| hi its me again,i got so many questions really.thanks to this forum because its helping and to the people whose got time to help.no one i can talk to about my situation now because im alone.i want to lessen my contract hour on my job which is from 48hours to 40hours a week.just to be qualified going bankrupt.i want to have a fresh start to be able to support my dad and sister back home who are ill.and my kids also.if i lessen my contract hour to 40hours and my reason is having really a back pain and that is true,will the or ask me why i lessen my contract hour?is this will cause a problem filling my bankruptcy?.i am planning to go bankrupt on september. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 12 July 2009 : 09:00:32
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You do not have to lessen your contract to go bankrupt. If you cannot afford to make payments to your creditors, regardless of how many hours you work, then you are insolvent.
I am still not sure whether or not the OR will be happy with you supporting your father and sister. Your kids, yes.
Why don't you do as I suggested in a previous post and contact Reviva UK? Paul Johns is a well respected expert on here and he will give you free advice.
His contact details can be found under the expert link on the left hand side of the page.
The glimmer gets brighter all the time
Jan
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 12 July 2009 : 09:40:21
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| If your working hours are reduced for a good reason (i.e. they are reduced by your employer, for health reasons, etc.) then there won't be a problem. If you reduce your hours in order that your disposable income is less than £100 so you won't get an IPA then this could cause problems with the OR. |
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debtinfo
forum expert
2826 Posts |
Posted - 12 July 2009 : 10:16:05
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| I think that you would also be shooting yourself in the foot as the OR only takes a proportion of your surplus income leaving the rest for you so you would be denying yourself income |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 12 July 2009 : 10:28:54
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I agree.
Anything over £100 a month and you will lose 50-70% of that, but the rest would be yours to do as you wished with.
If you can afford to send some of that to support your family then you could do so.
The glimmer gets brighter all the time
Jan
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rabbit007
Junior Member
112 Posts |
Posted - 12 July 2009 : 14:36:21
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i will go to my doctor tomorrow as realyy i fill so many pain on my body parts now.back pain,chest pain,headaches everyday,and something else which i will not mention anymore.2 years ago when i entered into dmp,i had mentoned them already my back pain.so will the or let me give some money for my kids back home?
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RHB
Senior Member
1159 Posts |
Posted - 12 July 2009 : 14:41:53
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| To be blunt, how much do you earn? if you are not in a well paid job you probably won't have to pay any money once you are BR BUT you won't be able to get credit & I think it important that you tell your family back home that you may be sending less their way. |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 12 July 2009 : 14:44:34
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Rabbit007, your case is very complex and you really do need to take specialist advice. As Jan suggested Paul Johns at Reviva would be a good person to contact - he is very well respected and will give you good advice.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
24 IPA payments made, 12 to go - on the home straight! |
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RHB
Senior Member
1159 Posts |
Posted - 12 July 2009 : 14:54:52
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| A 48 hour week is more than the norm though, so to reduce it by 8 hours to put it in line with most other workers is unlikely to be seen in a bad light by the OR I would have thought. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 12 July 2009 : 17:29:38
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I am sure you will be able to support your kids, but your father and sister are very doubtful.
Please pick up the phone and speak to Reviva. The advice you will get from them is free.
The glimmer gets brighter all the time
Jan
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rabbit007
Junior Member
112 Posts |
Posted - 12 July 2009 : 17:52:34
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thank u for all the help really.i cant call reviva so far because my phone was put into restriction coz i didnt pay yet.
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 12 July 2009 : 18:02:58
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If you look at Paul's profiles in the reviews he has an email address there. If you email him I'm sure he'll contact you.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
24 IPA payments made, 12 to go - on the home straight! |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 12 July 2009 : 20:12:12
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I agree - please email him and he will contact you,
The glimmer gets brighter all the time
Jan
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Karen Jane
Starting Member
United Kingdom
42 Posts |
Posted - 12 July 2009 : 22:01:01
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| Hi Rabbit007, if you e-mail Paul at Reviva he will phone you, I did that and he contacted me very quickly. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 12 July 2009 : 22:22:28
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You don't have to use his firm, but you can get excellent advice from him.
The glimmer gets brighter all the time
Jan
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hi its me again,i got so many questions
