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Tuesday, 02 February 2010 15:52

How Can I Calculate My Income For Bankruptcy?

Written by  Jon
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Question:



I am part self-employed and part employed and my income with both jobs varies with how many clients I have or how many hours work I do. When stating my income in declaring myself bankrupt how do I calculate my income? I started the self-employed work in september last year and then added the employed work in november 08. in calculating my average monthly income, I have taken an average over the last 6 months from Jan09. Is this right? or should i calculate it another way..? (my employment has changed a lot over the last few years and so just going by last year's accounts would not be representative of my current income.) Please could you advise me. Also, would i need to show all my accounts for the last few years to the official reciever given that i have been either completely self-employed or part employed and part self-employed.

Answer:



You can show an average for your income and since it does fluxuate, the OR can ask to review your wage slips and deposits every few months whilst in bankruptcy to see if there have been any changes. It will be the OR's decision how far back they want to review your accounts.

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Jon

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If you have a serious debt problem, bankruptcy can free you from your debts within 12 months. As a solution for dealing with serious debt, bankruptcy is a last resort. Other debt solutions need to be explored first, to help determine if bankruptcy is the right debt solution for you.

 

Your financial affairs are put into the hands of an Official Receiver or Trustee, who will control all your assets - and if you own a property, this will also be included. These will be sold and the money used to pay as much as possible to your creditors.

 

There are consequences to bankruptcy which will affect your finances and work life. You may struggle to borrow money, for example, and will not be able to apply for certain jobs.

 

For some, bankruptcy is the right option and will put an end to pressure from creditors. Our team of experts are on hand to advise on the best solution to your debt problems - call now on 0800 002 9951.

 

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