Can I offer to pay my debts once I go bankrupt?
So many people tell me they want to pay their debts but just can’t do it right now. As far as I’m concerned, if you want to repay what you owe after you have become bankrupt, that is totally your call. My opinion is that you should put the past behind you and focus on your life going forward, but I do understand that you may have a different opinion to me.
Once you become bankrupt you will find that bankruptcy changes the whole state of play. The debt is no longer yours, so your creditors and their debt collectors can no longer contact you and dictate terms – they can only talk to the Trustee. I recommend that you settle into the new bankruptcy life before you make any decisions.