Many thanks debtinfo - that's encouraging news! All the best

Folks, I will probably be declaring BR in the next few months and going to live with my Fiancee. My question is this; I am currently semi-retired but, if I get work, I will then be eligible for an IPO. I understand that I would not then be discharged for 3 years vice 12 months. Has anyone any experience of this situation and ideas on the best way to approach matters. Clearly I want to be discharged after 12 months but also want to work if possible. Many thanks

Thanks folks - does sound like a one-to-one with an insolvency practitioner needs to be arranged.

Hi Dodgy, Not a practitioner at Law - my advice to date has come from CAB and other helplines. I'm considering an insovency expert though....do you think that some of the above advice may not cover everything? All the best

Thanks Cash, that's helpful. One thing though - one or two folk are suggesting the house should be repossessed first and then go BR so am getting mixed views on this one. On the face of it the shortfall from Negative equity wouldn't be realised until Repo so could only at that point be inlcuded in the BR. Sounds as though it may be possible to go BR first though and then have the house included in the applicaiton? All the best

Thanks Toddle - that's very helpful and reassuring. Essentially then, whatever changes there are in my personal circumstances during BR, the OR can't hit my Fiancee/Wife. Thanks again

Hi Caro and thanks for those pointers. I have a couple of concerns about selling myself, namely; i) I only have sufficient funds to pay the mortgage for 2-3 months at most. I'm not sure what the position would be regarding a sale if I then went into arrears. ii) If I sold I would move to live with my Fiancee. I would then be concerned about how her assets could be affected by then going BR. Most of what I read suggests I should go BR before getting married or living with my wife-to-be. This tends to drive me towards resolving house and BR issues before moving in with her. Of course, if there were a way to ensure categorically that her assets were protected then I could sell, move and then go BR. Thanks for the links - I'll visit those for sure. Kind regards,

Thanks Tifo, I'd heard that was the case - not sure whether to get repossessed and then go bankrupt or go bankrupt first. Perhaps that also determines how long one can stay?

Folks, can anyone with experience help? I am considering bankruptcy and repossession of my home. In the event I begin bankruptcy proceeedings, I would look to move in with my Fiancee. I have two questions; a) If a Bankruptcy order is issued and I move to live with her, will any of her assets be under threat (we are engaged, not yet married of course) b) If my bankruptcy period ends just after we are married, would the receiver/creditors be entitled to look at her assets given we have been married during the bankruptcy term?. Greatful for any informed insights on this - I am completely new to the whole bankruptcy question though I have researched the bankruptcy process from the web.

Folks, can anyone offer thoughts on my situation, perhaps you've been through a similar scenario. I currently 'own' a house on which I pay a substantial mortgage. I will no longer be able to pay that mortgage two months hence and am therefore resigned to a repossession (as it is likely I will also have to go bankrupt). That being the case, I can probably find alternative future accommodation with a friend but not for around 8 months. I'm therefore looking for suggestions on how i may be able to spin out the repo for that length of time. I'll happily go after 8 months but for several reasons - not least that I share the care of 2 children -I would like to stay put until then if possible. Many thanks in advance to all who may be able to help.