Hi. Im paul. 38, employed full time as supervisor for 9 months, average weekly income of 1200 aprox, currently bankrupt and require dept consolidation and funds to purchase a car. Ive always been good at earning but never good at financial planning and never seem to be able to pull ahead. Any advice or direction would greatly be appreciated. I have outstanding depts of 15000, no security. Can u please help me to finally use my secure income to fix my bad decisions of the past?

As an undischarged bankrupt you are allowed to own a car worth up to $7600. Anything over that will create headaches for you with your trustee.

Another issue is the contribution you may need to make to the estate if your earnings are higher than the threshold (something like $56k AFTER tax).......so its going to be difficult to manage all this.

If you are bankrupt then why do you need debt consolidation? They should all be written off, unless you have managed to rack up some more debt since declaring bankruptcy.

You DO need to get things sorted out, and this is probably going to cause you some pain, as it seems you need to make some big changes to the way you do things.

This is going to sound harsh Paul, but I would say you have two options:
1: find a financial planner who will become your minister for finance to help you manage your affairs
2: make some tough decisions about what you want out of life and set some goals and work towards them

Any advice you DO get needs to be from someone with experience in dealing with bankruptcy issues, because this changes lots of things in managing your finances....

Having no knowledge of your personal circumstances I know that my assumptions could easily be WAY off target, so apologies for treading on toes if I have upset you mate. Hope the advice helps.
bc