bankruptcy

[shadrack]

is it poss for me to declare myself bankrupt withou tmy husband knowing?

[gammaray]

unless you have totally separate assets I would say he is bound to find out at some point. If you own your property this would become the property of the official receiver (your equity share that is) and the O/R would force the sale to cover your debts. If you live in rented property this is not so much of a problem. The names of bankrupts are a matter of public record, but unless he has reason to search through this type of data base he may not notice. Local papers often print details in public notices sections too.

You main problem as I see it would be that your bank accounts would be seized by the official reciever, and if they are joint accounts this means that neither you are your husband would be able to use the account until released by the O/R. This is usually when the O/R has decided what portion of the account is yours and taken this money out of the account. The bank would only then unfreeze the account if you had your name removed from it. A similar problem exists if you have accounts in your own name. They will be frozen initially and your access to them would be very limited once the O/R had finished with them. No cheque book or debit card, limited access to cash (depending on your banks take on the situation)

There are so many things to consider that frankly, not telling your husband should not even be on your agenda!