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Home > Author Archives: Jon Emge (page 10)

Author Archives: Jon Emge

Jon Emge

Is Bankruptcy the Best Option for Us in the UK? – Hayley

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“Dear Jon, Both me and my husband have always worked full time, we have three children and a house brought in 1999. In 2004 out financial situation changed which meant we could no longer afford to continue paying all of our loans/debts. We got into financial difficulty and had to stop paying some bill/debts in order to live. We have ... Read More »

I’m Living in the U.S. But Can’t Afford My UK Student Loans Anymore

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“Dear Jon, Im a UK national living in the US for 9 years. I have a UK student loan which I have been paying for many years. I’m a UK national but have been living and working in the US for about 9 years. I’ve been doing my best to pay my UK student loans over the years but like ... Read More »

Is There UK Legislation That Would Wipe Out My Debts If I Have A Serious Mental Health Disorder?

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“Dear Jon, I have had bi polar disorder since the age of 14. Through manic and down stages and also mixed affective states i have got myself terribally into debt. Most debts i cant even remember. I am now 30yrs old and am wondering whether under the mental health act or some other legislation i could fully get my debts ... Read More »

Can I Include Rent Arrears In My UK Bankruptcy?

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“Dear Jon, I am thinking about going bankrupt as I have been made redundant and I am only receiving a few hundred quid in redundancy money and owe thousands in credit cards, an overdraft (which I have been living off of) and a car on HP. I also owe my landlord rent arrears which I cannot pay. What I want ... Read More »

Will My Landlord Be Told Of My UK Bankruptcy?

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“Dear Jon, I am in the process of completing the forms to go bankrupt and am concerned about my landlord finding out and evicting me. I have lived here for the past 5 years and always paid my rent on time. It’s all the credit cards and loans that got me in trouble. If I have to move I am ... Read More »

What Are My Options With My UK Debts?

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“Dear Jon, I am soooo stressed out about my debt situation and just don’t know where to turn. Every month I get more and more notices and fall into arrears. I have looked at getting a payday loan to try and get through the month, but am afraid I’ll be turned down. I have over £20,000 of loans, credit cards, ... Read More »

Do All My Debts Need to be Included in My UK Bankruptcy?

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“Dear Jon, First let me say thank you for such an informative web site it has been a good place to get many answers to questions I have. I am about to make myself bankrupt as I have been struggling with my bills and accounts for years now. But I am unsure if everyone I owe will be included in ... Read More »

How Much Does It Cost to Go Bankrupt in the UK?

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“Dear Jon, I am in the process of going bankrupt and am completing the bankruptcy forms. How much does it cost to go bankrupt? How do I pay the fees and if I cannot afford them, can I get some help or get the fees waived? ” Don’t miss our free Get Out of Debt – “How To” Guide Series ... Read More »

Can I Inherit Money in the UK If I’m Bankrupt in the UK?

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“Dear Jon, I was made bankrupt a few months ago and have just lost my mum. She left everything to me in her will which is her house and quite a bit of money as well. I went bankrupt for over 20,000, but stand to inherit much more then this from my mums estate. Can I keep my inheritance? What ... Read More »

I Have Been Sent A Statutory Demand in the UK What Happens Next?

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“Dear Jon, I hope you can help me as I haven’t found too much information out there as to what my situation is. I have a few credit cards and an overdraft and my wife and I have two joint loans. We don’t own any property, in council housing, and my wife just recently lost her job. We had been ... Read More »

Will I Be Arrested for a Debt in the UK if I Return to the UK?

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“Dear Jon, in 1999 i was student in London, UK. I had a NatWest credit card and when I left (1999) i owed 300(three hundred) GBP.I returned to my country and I send money a couple of times to my account which was linked to my credit card to pay the debt.I send the last on 2002 but due to ... Read More »

Can I Do a Debt Relief Order in the UK From Poland?

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“Dear Jon, Hi, I left U.K. at the end of 2011 because of serious family problem. I am in debt, three creditors, total 9900 pounds ( loan, credit card and overdrawn account). I have repayment plan, 5 pound to each creditor a month. At the moment to send 3×5 pound to each creditor costs 9pound per month. My income is ... Read More »

Can I Go Bankrupt After Being In An IVA in the UK?

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“Dear Jon, I have been in an IVA for the past 2 years and it has been a struggle. I have missed the past couple of months payments and just want to give up. I don’t own any property and just want to be done with all of this as quickly as possible. Can I go bankrupt? Thanks in advance ... Read More »

I Recently Had a CCJ From RBS for Credit Card Debt in the UK

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“Dear Jon, I recently had a ccj from Rbs credit cards. I admit the debt to court and offered £5 a month to Rbs in response to ccj. Rbs rejected my offer and asked court to make a decision. Court made a decion for me to pay £350 per month which was totally unaffordable for me. I was told by ... Read More »

How Can I Settle My Debts in Dubai?

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“Dear Jon, I had lost my job in dubai, and now wanted to back to dubai, but I cannot as I had debts in dubai banks i used to live and work in dubai. In 2009 after the market crashed, i had lost my job and had to come back to india. In dubai i had credit cards from different ... Read More »

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