Thus far I have dithered, I have researched it, I have considered it, I have tried to think of all the pro's and con's but I hadn't actually done anything about it....the actually doing it is kinda scary, the point of no return.
As time has elapsed the problems surrounding this delightful state of 'financial cock-up' seemed to become greater and greater (is nothing simple?), for those who consider it so, this is by no means an easy way out, the repercussions have the possibility of becoming quite daunting. Obviously I have to learn to live without the god that is credit cards (not a bad thing in reality), the threat of losing most of my possessions (like I have may!!!) including my car, without which I'm stuffed, a frozen and then non existent bank account (how in God's name do I pay direct debits I wonder?), a completely defunct credit reference for at least six years, prospective landlords taking an instant dislike to my becoming a tenant, absolutely no possibility of a mortgage without massive massive interest penalties or dodgy offshore dealings, this address, which isn't mine becoming credit blacklisted (my parents are gonna love me to bits for that one) and hell....... I don't even know how I will get a salary paid to me once I have a job, without having to divulge this damn bankruptcy thing to the world at large!
Oh...and just for good measure I have to try and raise £500 somehow to pay for the priviledge. Um.......do those seeking personal bankruptcy usually have £500 cash (unsurprisingly county courts don't accept cheques or credit cards) sitting around doing nothing then?
But hey ho, onward and upward, this morning I registered with the insolvency bods, I got the final bits of information I needed and so all I have to do now is fill in the copious number of pages with horrendous amounts of information and then go to court and be grilled for an hour or so by a judge, who in theory at least, will declare me financially inept and pass me onto a liquidator. He or she will then paw through my possessions and assets (ha ha) for anything worth taking and consider making a charge against me for three years.
Sounds like fun don't you think?!.....remind me to forget this part of my life quite quickly if you would please. Bitter? moi?
...and for good measure, whilst I'm having a crap day I have an appointment at the dreaded hairdressers this afternoon, might as well do all the
Tomorrow is another day...I hope! ;o)
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"The first step to getting the things you want out of life is this: Decide what you want." - Ben Stein
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