Bankrupt and still getting 'phone calls.
Hi all, just a query. I'm almost ten months through my bankruptcy however I am still receiving demands either by mail or phone from solicitors working on behalf of my previous creditors. I've received...
View ArticleHas anyone gone through bankruptcy with IMHO?
Hi, I'm wondering if anyone has any experience of going through the process with the support of IMHO? I am trying to figure out whether to just go it alone, to spend a few grand on an adviser or ask...
View ArticlePrivate Company Shares in Bankruptcy
Hi, Technical question I have recently been discharged from bankruptcy In my original SOA I disclosed shareholdings in three companies Two have subsequently been wound up However, one is still trading...
View ArticleCabot Financial Three Ireland bill
Hi. A few months ago I received a letter from Cabot financial requesting outstanding payment on behalf of Three for the amount of €145.37. Some time previous to that I had a phonecall from Three...
View ArticlePost Insolvency Letter ?
Can anyone shed any light for me on this, as it's a Friday Eve and I can't get answers now for weekend :-/ I successfully completed my 3 month insolvency recently. During that time I recieved no...
View ArticleJM on family home & separation
We are currently in the process of separating. My husband has 3 judgement mortgages against the family home since 2009 and 2012. They are not in my name and I did not sign them. The business they...
View ArticleJudgement mortgage on family home & separation
We are currently in the process of separating. My husband has 3 judgement mortgages against the family home since 2009 and 2012. They are not in my name and I did not sign them. The business they...
View ArticleIPO term reduction under new legislation
I am a bit confused and unsure where to go due to conflicting advice. I was discharged on July 29th and have an IPO that was to run for 5 years (3 years remaining). As we all know - the new legislation...
View ArticleWhat happens to jointly owned BTL after I declare bankruptcy?
Hi all, I own a BTL with a friend - 50/50. What will happen to the property after i declare bankruptcy? Will the OA most likely sell 'his half' to my friend - or just let the loan wind down over the...
View ArticleDoes Irish Bankruptcy cover debts to Revenue?
Hi, If you go bankrupt in Ireland, are debts owed to Revenue also covered, or would you still owe the revenue any unpaid tax/penalties during and after discharge from bankruptcy? Will any of this...
View ArticleHow is income defined for PIAs. Is BIK included?
Hi, does anybody have an exact definition of income as applied to a PIA. In particular I'm trying to find out if BIK is included. If you have to drive a car for your work and so have a company car...
View ArticleICB Report Post-Bankruptcy
Just received an ICB report I ordered in the post. For my mortgage on my family home which is subject to a possession order with a stay till 01/06/17, it is marked as pending litigation and showing...
View ArticleDiffering results on ICB Report
Hi all, Thought I'd share my experience with my own ICB Report, having being discharged from bankruptcy in July of this year. I had debt across 3 financial institutions but only 1 debt has shown up on...
View ArticlePost-discharge ICB Report
Hi all, It's been a while since i posted here. I went bankrupt in the UK and was discharged in April of this year. I requested an Irish Credit Bureau report to check that my creditors weren't still...
View ArticleGetting a mortgage after bankruptcy
Hi all, Does anyone have any experiencing applying for credit (specifically mortgage) in the ROI post bankruptcy? Rather than a business going bankrupt, I'm looking at it from an individuals angle. I...
View Articleis uk bankruptcy recognised in ireland
I was made bankrupt in n ireland in june and released from bankruptcy in june 14 .I have now moved back to Ireland and have opened a bank account.However when I checked my credit rating the banks still...
View ArticleIn bankruptcy, fo some creditors take priority above others?
i am most likely going youp bankrupt. I owe a bank c. 500k and the revenue c. 50k How is any cash I have distributed ? Does revenue automatically take priority? Or does it get divided up proportionally ?
View ArticleDeath of a co-borrower and enforced Insolvency, engaging doesn't work
I hope this doesn't become a rambling tome but I'll try to make this as short as possible. My father was co-borrower on my mortgage and died in 2011, I started talking to the bank in May 2013 about the...
View ArticleDECLARED BANKRUPT IN CANADA NOW IRISH ISSUE
I have recently been declared bankrupt by the courts in Canada. The application included all my Irish debts as I have been living here for 7 years. How do I go about getting it recognized in Ireland...
View ArticleTreatment of Public Service Pensions: Bankruptcy Act
From the Bankruptcy Act 1988: "Where a bankrupt has ... a relevant pension arrangement which would, if the bankrupt performed an act or exercised an option, cause that debtor to receive ... an income...
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