Thankyou, it's my daughter's first day back at school so I can't get there any earlier after dropping her off and it may take slightly longer than usual to settle her in.
What kind of advice are you expected to have sought prior to going to court and filing for bankruptcy? I haven't been in touch with CAB, but last year I contacted 3 IVA companies, also did a CCCS debt remedy as well as my own research. After entering an IVA (I could have gone bankrupt but as I had a decent surplus I was able to make IVA payments) I was then made redundant and went on an IVA payment break. From this point I continued with my own research, got a new job (much lower pay), had advice from my IVA company (who were great throughout), did another CCCS debt remedy, all of which pointed to bankruptcy. Is that enough for the judge to go on? To be fair I am a very thorough person and research and analyse everything to the nth degree so I often feel I can make a decision without going to CAB or whoever. It's just whether they think all that is acceptable or not?