I took on a PIP who was quite courteous and suggested a PIA, but I told him not to bother until I had clarification that bankruptcy term was being reduced - which to date - has not happened.
So basically another 6 months, year (who knows) will go by - until..
A) rent receivers / bankruptcy petition made by bank which will kick off a set of actions radically increasing their loses on property portfolio..
B) and preempting above, bankruptcy by me in Scotland which is essentially done over a 'phonecall (irishbankrupt.com)
..or hopefully a combination of ..
C) my business kicks off, increasing income
- and -
D) house prices keep going up
Thus allowing cap and int. payments to recommence with properties being sold of voluntarily with zero shortfall to pay back..
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No one should have their mental health affected over 'debt'..
Just tell the lenders you'll update them on a set schedule (say, every three months) and add their phone numbers to your 'phone's reject list.
