official receiver

[D143237G]

There must be someone out there who has been interviewed by the official receiver recently re bankruptcy.

Care to shar the experience

[Susan ann]

I declared my self bankrupt last May due to bills that my ex husband left me with.It really was the best thing that I did.I found that all people that I delt with were fantastic. After I was declared bankr I had to phone the Off Recv from the courts and they ask u questions. I never did see any one, I had my interview over the phone.They want to know about any savings u may have, or assets like property or any thing of real value. I had no assets. They then deal with all of ur creditors for u. And they are allways at the end of the phone if u need advice. Hope this helps.

[sack_6470]

i did it a few years ago and am a discharged bancrupcy for over a year now, the experience was not daunting, i had my interview over the phone with my official reciever after i had been to court, is all behind me now.... extremely hard to get credit now (which i dont want but could do with) however my bancrupcy was simple and i was 100% honest the debts i had, i had tried to sort out for many years before going bancrupt and hadnt added any credit loans etc for a good year and a half before going bancrupt But i know someone that knew they were heading for bancrupcy and wacked up their credit cards and went on a final mad spending spree..... they regret that now as they had to return certain items that were bought to be sold on and they are bancrupt for 6 years instead of the normal one year, a horrible experience for them (after i said it was ok) well it was for me.... the offical reciever can and will find you out if you have been dishonest, they can delve into all ur financial goings on even if you say you cant provide papers, they can get them without you.... so for those that take the micky, i wouldnt advise it, those that are genuinely in turmoil and the only way out is bancrupcy, good luck... its not a daunting experience if you are honest....