Dear Fred, Steve and Helen,
I have just received my email from AFSA granting my bankruptcy.
Many years ago (at age 52 yrs) I suffered a heart attack which required surgery (5 bypass)!
I was unable to work for 2 years and survived using credit cards, as I am a sole trader in a cash flow business over the next 17 yrs I kept working mainly because of having the ‘old school’ attitude of paying my debts.
I thought I had qualified for the pensioner bonus scheme and this money was always meant to be my final fall back.
Three weeks ago I reached the point of having to use this money, I applied to the government for payment.
As all governments are likely to do I was in formed I had applied too late as a cut off date was introduced in July 2014.
This left me with three options:
I found the Fred Appleton website while surfing the net and got busy reading.
After reading this excellent site and cross checking the information (which was extremely accurate) I emailed Steve my details and had an immediate response.
Steve removed the many misconceptions I had about bankruptcy and for the first time in years I felt I had hope for a return to a life with no stress.
I then was passed on to Helen who took me through the documentation process.
Once the bankruptcy was in place there was one minor query about tools of trade.
I am pleased to say that the comment from AFSA was the documentation was of the highest quality and reflects the professional standards that Helen showed in her work.
The time from despair to stress free life ?
Yes, there are some restrictions when bankrupt but none of them are onerous or relevant for me anyway.
At 69 yrs old not having a good credit rating for 5 years is not a issue, at least now I have a great chance of passing 75 years!
Everyone must make their own decision on bankruptcy but thanks to Fred, Steve and Helen I discovered that going down this road is just a consequence of life not a reflection on a person’s character.
I make no apologies for the length of this review as there are not enough words for how my life has changed because I found the Fred Appleton ‘website.
Finally three things I have done since becoming bankrupt:
With grateful thanks,