Increase in income post Bankruptcy discharge..
Hi all, I'm trying to find out what the OA's / Insolvency Service of Ireland's opinion is on the following.. Say a Payment Order is in place post the 1 year bankruptcy period. After discharge, I get a...
View ArticleOA contact with Bankrupts? 29th July discharge date approaching
With the date of discharge of 29/07 approaching for many of us bankrupts, has anyone (bankrupts obviously) been contacted by the OA's office for assessment pre-discharge?
View ArticlePrivacy Rights Post Bankruptcy
Received an email from OA regarding printing my name in the daily newspaper in regards to payment of monies to creditors. I am out of bankruptcy since July 2016. Have they the right to print my name as...
View ArticleWhat a messed up situation.
So, here goes. We had it all, two well paid jobs, worked hard, lived well. Then she got unfairly dismissed and labour court backed her, and my business died. I have a personal liability for a loan of 1...
View ArticleI'm insovlent; wife not; home in big negative equity
So, here goes. We had it all, two well paid jobs, worked hard, lived well. Then she got unfairly dismissed and labour court backed her, and my business died. I have a personal liability for a loan of 1...
View ArticlePersonal Debt
Hello all, Can i seek your opinion on a matter please. I have survived the recession yay.... I am still in my family home and done a deal with the bank on this and I am very happy with. I now have to...
View ArticleMatthew Moore's article in today's Irish Times
Regular poster in this forum, Matthew Moore, authored an article in today's Irish Times titled "Facing bankruptcy and attending Trinity: How I started my new life". Fascinating story, very well...
View ArticleGetting help to fill bankruptcy forms
first time i have posted on this site.i was just wondering if there is any organisation out there that helps you fill out the forms needed to file for bankruptcy for free or a small charge.i do not...
View ArticleWorking in financial services with bad credit rating
can anyone tell me please if I have a bad credit rating does this impact my ability to work in the financial services sector? I've a feeling it may but I am not sure. I'm an IT contractor and most of...
View ArticleWriting Letter to Solicitor
Hi anyone any idea on where i can get help advice on how to write an impressive letter to an solicitor, regarding mortgage correspondence? Any useful links on line?
View ArticleLarge residual after sale of BTW. ..bankruptcy ?
BTL in my name was with KBC. Sold in March, leaving a residual of 185,000. Own home jointly owned in negative equity by about 200,000.and arrears of 17k Mortgage o/so is 400,000. Arrangemeets being...
View ArticleNo Veto PIA
Would being declared bankrupt in the UK within the past 5 years preclude an application for a "No Veto PIA" in Ireland. Have been advised by ISI that Personal Insolvency Act 2012, 91 (1V) specifies an...
View ArticleWhy no changes to PIA regime after Bankruptcy law changes?
Why is it that the rules on PIAs DSAs etc were not eased in line with the changes to bankruptcy duration and the duration of income payment orders? A PIA is not nearly as attractive now as when the...
View ArticleIrish national resident in UK with €400k residual debt from Ireland
I'm an Irish national but a U.K. Resident in London for the last 6 years. I'm single with no dependents - basically broke - unemployed and renting. with no assets. I had some buy to let properties in...
View ArticleObliged to try a PIA?
"You must swear an Affidavit stating that you have made reasonable efforts to make use of the alternative arrangements to bankruptcy such as DSA or PIA" If there is no financial benefit to do so why...
View ArticleSettlement Offer
Hi How much should a settlement offer on unsecured debt be ? I have a payment plan with the bank and want to settle it but would like some guidance on what kinds of deals other have previously managed...
View ArticleHow long before debt written off
I have an unsecured debt with the back. (It was a write down from residual debt leftover after selling investment properties) But now I can't pay the write down either. And the bank ain't for budging....
View ArticleCan I assume bank will take out judgement against me?
As the subject title asks, is this a reasonable assumption? Quick background (as stated in other thread I made a few minutes ago). I have serious residual debt leftover of a few hundred thousand. Was...
View ArticlePartner insolvent, but I have spent a lot of money on his house.
hi looking for advice Partner has a huge debt with revenue Only asset is house (no mortgage ,in his name value less than €90000) His looking at insolvency/bankrupt My question is I've put a lot of...
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