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Bankrupt Ancestors in Your Family Tree!

We all know that in today’s new economy people are getting themselves into debt. Worse still, for some, is the prospect of going bankrupt. It may seem that bankruptcy is a modern phenomena, well it isn’t. Getting into debt was also a common problem for our ancestors as well. As we all love a skeleton in the cupboard, just how can we find out if one of our family has had the problem to face back  in the Britain of the past? It would seem that we may be able to find out more online.

In my research into my family tree I remember chancing on some family notes that, on face value, seemed to identify one of my ancestors as having been a partner in a business enterprise that had failed. To start with I had had no inkling that my forebear, in question, had even been a merchant, so to learn that his enterprise had eventually hit the rocks was an interesting nugget of information in itself. As a bookseller, myself, and having read the Charles Dickins novel called Little Dorrit, which you will no doubt know is set in within a debtor’s prison, I wanted to find out if my own ancestor had faced being declared bankrupt.

In England, Bankruptcy goes all the way back to a statute of Henry VIII in 1542. The 1571 Bankruptcy Act brought about the idea that a bankrupt person would be able to settle their debts, by distributing what remaining assets they had, through independent commissioners. Up until 1705  the unfortunate debtor could never be discharged from bankruptcy and so the stigma would remain with them for ever!

Legally, Bankruptcy is a process in which a court official assumes charge of a qualifying debtor’s property so that a distribution can be made to the creditors of the debtor in a proportion to the sum that they are owed.

Only in the year 1869 was it that individuals who were not undertaking a business  of some sorts were able to become bankrupt. Before this date, ordinary people were known as being insolvent instead. These souls faced being sent to debtor’s prison and were not released until they had found a way to pay off their creditors. Bankruptcy, as such, applied strictly to people who were traders, that is those who bought and sold goods, or who worked some materials into things that they then sold.

District bankruptcy courts were first established outside of London from 1842. Then their jurisdiction passed on in 1869 to the County Courts. In the capital city the London Court of Bankruptcy was set up in 1869, before being absorbed into the High Court of Justice in 1883. Should you wish to find details of what’s available for you to search then I recommend taking a look at Access to Archives at http://www.nationalarchives.gov.uk/a2a/

Independent assessors, known as Commissioners, would determine if a debtor was eligible for bankruptcy or not. If they were satisfied that bankruptcy could take place, then they would publish a notice in the London Gazette declaring the debtor bankrupt. Also posted would be a list of potential creditors along with the dates set for meetings. The London Gazette’s archives are easily searched today on-line at www.london-gazette.co.uk. This is a fantastic resource  for any family historian hot on the trail of a bankruptcy. You are able to search the archives by date and name, then view a pdf image of the pages that your results have found. The London Gazette has been published since 1665 with a regular publication of bankruptcies stretching back to 1684 and also 1712 for insolvent debtors. Scottish notices can be found in the Edinburgh Gazette at : www.edinburgh-gazzette.co.uk

Family historians can locate case files for English bankruptcies at The National Archives in Kew, while Scottish sequestrations are to be found at The National Archives of Scotland. Unfortunately, for us, the majority of case files for England have not survived, but those that have are indexed on TNA’s online catalogue.

Other resources to consider are journals that published similar notices to the gazettes. These will include The Times; The Gentleman’s Magazine; Perry’s Bankrupt & Insolvent Gazette (1828-1861) and Perry’s Bankrupt Weekly Gazette (1862-1881). If you are looking for notices of bankruptcies in the County Court, then you will probably need to turn to local newspapers for the area in question. The British Library would be the place to look for these. Now we are also able to search contents of newspapers at http://newspapers.bl.uk/blcs.

Insolvent ancestors can be an interesting topic of research. Remember, however, that their hardship carried much more stigma than it does today. In modern times we can go into debt, declare ourselves bankrupt, or wipe out a huge chunk of our debt with the alternative Individual Voluntary Arrangement IVA. And yet none of us lives in the fear of being incarcerated in the debtor’s prison in the 21st century.

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Very Helpful Details On How To Access Death Records

Many people often wonder about their family genealogies or about what may have happened to certain people who they were once close to. However, they rarely do anything to find out that information. In some cases, public death records may hold the answers that people are looking for and this article can tell you all about them.

Gaining access to someone’s death certificate may provide you with the information that is required for making a family tree. Additionally, these records can provide you with information that can help you understand what happened to someone who you were close to.

Today, these records can hold a wealth of information about the person who has passed on. You can find out what their recorded cause of death was, who they were married to, and when they were married. You can also find out if they had any children, who the next of kin is, and what they did for a living.

It is possible to get these records by contacting the appropriate state department. However, getting an answer can take a long time and they may only have access to their records, rather than the records for the whole country. It may be better to use an online service instead.

Prior to using a Web service, you should research it to find out how accurate their results are. Unfortunately, all services have not been created equally, so it is important to not spend any money until you’re sure that you’ll be getting the information you require.

To find out which online USA death records service is best for you, you should look for online reviews and specifically search for complaints or class actions that were filed against the company. If you find that a Web service has tons of complaints, you should avoid it.

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Your Family History Answers Maybe Off-line

Sometimes we just need to accept that not every answer to your family history questions will be on-line. I’ve discovered this with my research into my British Family Tree, but it can be the same where ever it is in the world that you are looking for ancestors. You’ve searched for an ancestor using the various on-line tools and failed to find any trace of them?

The temptation is to believe that, because they don’t appear where we think that they should, that we are simply not going to find them. Well, what I need to remind myself  when I am on the trail of my UK forebears, is that not every record for Britain is on the web and even for those that are mistakes have been made and omissions may have occurred.

Anyone with a British Family tree is well catered for by the availability of paid and free look up websites.

Taking, for example, my family tree in England. My 4 times great grandparents, John and Sarah Thorn for whom I had obtained their names from the baptism information that I had got from a search of the International Genealogical Index at familysearch.org for their son, also called John, my 3x great-grandfather.

Baptismal font St. Saviours, Dartmouth, Devon, UK.
Baptismal font St. Saviours, Dartmouth, Devon, UK.

Remembering what the family history professionals teach, that you should always use information that has been transcribed as a finding aid only – using it to seek out the original record, I visited the Devon County Record Office in person and looked up the microfiche copy of the baptism of John Brampton Thorn in St.Saviours church, Dartmouth on the 28th September 1794.

Having verified that their names were correct, on the IGI, I had then searched for the marriage of John and Sarah. I knew that a number of their children were baptised in the same church and that there was only one other possible child christened earlier than my great-great-great-grandfather in St Saviours in 1790, however it was not certain if this individual was of the same family of Thorns. I was hunting for a marriage around 1794. Frustratingly, there were no likely candidates in that particular church.

Searching the IGI around the area came up with nothing and so I expanded it outwards. With my “possible parish” list I  searched on-line for the marriage and came up with some in Exeter for 1793. Were the Thorns from Exeter? Well the answer turns out to be no!

Visiting, in person, the Devon Family History Society in Exeter I explained about my brick wall and the staff looked at their data for marriages 1754 to 1812 for a John Thorn marrying a bride called Sarah. At this point I had no maiden name for Sarah. After a few minutes, for the bargain price of only 15 pence I was handed a list of seven marriages. The very first of which was a John Thorn and Sarah Branton married on the 12 January 1794. The bride’s surname was to become the second name of their child and my 3x great-grandfather. The parish was not Exeter, nor anywhere from around Dartmouth, but Plymouth Charles!

Having obtained this information off-line I then went back to the internet just to check if I could have found it there. On the IGI there was no record and various other websites I went to all returned no matches either.

The lessons I learnt here, is that not every record is accessible on-line. Remember this in your family history research.

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What is the Biggest Family History Problem for Those Of Us With British Ancestors?

I put up an online survey to find out what major brick walls people had in British Isles ancestor research and the largest cry that came back was the following:

Help me with my family tree research, especially back before 1837.

Perhaps this resonates with you? You’ve traced your forebears back in the census collections as far back as the 1841 census? Then you have used the Births Marriages and Deaths on the web and found that the nice and easy indexes only go back as far as 1837?

It was, you see, that in 1837 the General Register Office was set up for England and Wales and took over the registration of vital records from the Church of England.

In Scotland it was in 1855 that the General Register Office for Scotland took the same powers from the Church of Scotland. So from those years backwards we all have to use the records kept by the state church and these are known as Parish records in both jurisdictions.

Baptismal registers will normally give you the name of the child and that of its father, plus the date of the christening. Occasionally you may also see the mother’s name, most particularly if the child was illegitimate. In this case you could see the terms “base born” “bastard” or “natural born” on the record. Sometimes the godparents or witnesses also appear. This all goes to show how there was no standard format to baptismal registers until in 1812 Rose’s Act became law in England and Wales and standardised the information to be recorded on specially printed registers. It should be noted, however, that Rose’s Act did not apply to Scotland or Ireland. These new standardised registers asked for more details than before and so now the clergy had to obtain the mother’s Christian name, the father’s occupation and his abode.

Churches kept parish registers locally. They were not collated or sent to any central depository but were retained by the churches themselves. From the 16th century up until 1837 the parish church carried the responsibility of collecting records of its parishioners. While baptism was more important to the church than actual birth dates and burials were noted as opposed to deaths, the church was essentially an arm of local government.

A strong lockable box, known as the parish chest and into which were deposited records were kept. We refer to all those records, that may now be found deposited in the county record office but were once in the keeping of the parish church, as Parish Chest documents. They don’t just include the well known parish registers of baptisms, marriages and burials of our forebears. You will find there are all sorts of other records that together are sometimes referred to as the parish chest.

In England and Wales you have the vestry meeting minutes while in Scotland you have the Kirk Sessions. There are also odd records such as the report of the parish surveyor! Many of you may not have even heard of such records that may just contain your ancestor’s name and if you are restricting your searching to the online environment then you are more than likely frustrated by the inability to locate them.

In most cases you are going to have to visit the county record office to get to see microfiche copies of these English and Welsh records, as they are not online. For the baptisms, marriages and burials you could go to your local LDS centre and order the films there. Scotland’s old parish registers, however, can be accessed at the ScotlandsPeople website for a fee. Oh that we could do the same south of the border!

The NoseyGenealogist.com website
The NoseyGenealogist.com website
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Secrets to Avoid Barking Up the Wrong Family Tree

Anyone who does research will testify to how frustrating it is to follow leads up blind alleys. In terms of genealogy, this could mean following wrong family lines. Anyone who has had a go at genealogy will undoubtedly be familiar with this scenario. It could be that you have been given a bad lead or perhaps misread some information that you have found. Either way, it mounts up to a lot of wasted time.

So how can this pitfall be avoided? Far from giving you a clever answer, I don’t believe that there are any, there are some general tips that I can give that might help you with your genealogy research. In fact the general principles could be applied to any type of research.

The first thing you should always do is keep a track of all of your resources, every book, every article and every web site. And get detailed information too. If your source was a book for example, get all the detail down to the ISBN number. If your research is by word of mouth, write down names, times and dates. Genealogy is all about information, so backing up your facts is critical.

Following a similar theme, you need to organise yourself and your research. File everything and file things where you know how to locate them. You will find yourself back tracking continuously, so make that side of genealogy as painless as possible.

Check your facts. Not just the literal snippets of information that you pick up, but also the logical order of things. Do the facts that you have collected make sense? Apply common sense to all of your findings and question them.

Do not accept carte blanche research from sources you don’t know. What I mean by this is really the types of research that one often sees advertised, offering to write up your family tree for a fee. Beware of these types of offers. The type of research upon which these tress are founded are often questionable. Save your money and do the research yourself. That is after all, part of the fun of genealogy!

If your family has spread it’s wings across borders, be very careful when collecting facts. As one example, dates can be written differently depending on where in the world you are at the time. Easy mistakes can be made under these circumstances. The date 05/04/75 means something different to people in the USA than it does to people in the UK.

Do not make assumptions about any piece of information that you might come across. Stick with the facts that you yourself have collected. One small assumption can lead you in all sorts of directions that you didn’t really want to go down. Remember that we refer to things differently now than we did in years gone by, so when something is taken from letters 100 years ago, it might not mean the same thing to you as it did to your forefathers.

Join up with web sites that have expertise in genealogy. Talk with like minded people and get the benefit of their experience. Not only will they have tips of their own to share to help you, they will have access to sources you might never have thought of. It is well worth your time talking to other genealogists.

Get an extensive look at one of the most remarkable Genealogy Reference Books there is available on the market today. Discover what going on in genealogy today!

Source: http://www.submityourarticle.com

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Everybody Has a Story to Tell

Pioneer Transcription Services is now offering oral history transcription services to people who wish to conserve the stories of their family members. The business has been transcribing oral histories for historians, authors and professional companies for almost  20 years. The emphasis on providing this service directly to people who want to preserve their families’ stories came about when one of the company’s  owners, Deborah Devitt, inherited a cassette tape her parents had made many years previously with her paternal grandmother. Unfortunately , the cassette tape had deteriorated over the years and there was never a transcript created. While the company created a digital audio file and transcribed the interview before more deterioration could occur, “I don’t want others to lose the stories that are important to their families,” Ms. Devitt states.

Individuals are conducting interviews with all kinds of different relatives from grandparents, to great aunts and uncles, to cousins, to brothers and sisters, et cetera.

Digital recorders are now very sensibly priced, which allows more individuals to record their families’ stories. These digital audio files can be easily shared with other family members and won’t deteriorate over time. Many people are setting up interviews with their relatives, using questions they’ve found on the internet or that they come up with on their own.

Pioneer Transcription Services realized there is a growing desire to have written transcripts of these interviews. “Our service is easy to utilize and accessible to everyone,” states Ms. Devitt. “A direct link for upload is right on our website.” Once uploaded clients just wait for their transcript to be returned to them. They are then able to share the transcript with other family members and friends or to use it in any way they deem proper. “Plus, these are our favorite things in the world to transcribe, ” added Ms. Devitt.

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Your Family Tree Magazine is a favourite of mine

Disclosure: Compensated Affiliate.
Your Family Tree is considered, by many family historians, to be one of the most respected genealogy magazines around. I love the way that they not only feature articles on the various traditional means of researching our family trees but also give advice on using personal computers or Apple Macs to do ancestor research. Their aim is “to make tracing family history accessible and rewarding for everyone” according to their website. Your Family Tree offers practical advice, written by experts, on all areas of family history research and is known as Your Family History outside of the UK. The content, however, is the same in both magazines so don’t feel you will lose out if you are based abroad. The Editor, Russell James, is quoted as saying this: “Each issue covers an array of old documents, answers readers questions, and puts family historians in touch with one another. You’ll also receive a covermounted CD-ROM for Mac and PC containing an array of genealogy resources, as well as a pull-out region research card (contacts, map, plus key local resources and historical facts) and four collectable surname index cards every issue.” I personally can’t wait each month for my copy to arrive. I used to buy it from the newsstand until I realised the convienince and the special price that is offered when taking out a subscription. Take a look at whats on offer by clicking one of the banners on this page and you will be able to try before you buy by looking inside a magazine. Recently I’ve enjoyed reading articles such as these below. Want to join me? 100 vital websites – Bumper online special How To guides including: Research Scottish clans, find old maps online, date wedding photos and organise your records Pass down your family’s story – Make sure your findings are never forgotten Migration records – Discover the best websites to help you trace your ancestors’ movement Royal Mail workers – The stories of your postal ancestors Now I know this looks like I am simply acting as a salesman for them; but I really do read this magazine and I have personally got a lot out of my subscription and so I do not apologise for recommending them! A good genealogist never stops learning. We are all somewhere between Beginner and Advanced Beginner! Disclosure: Compensated Affiliate.

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Family Search and the Family Historian

I have been on my own family search quest for several years now. Some of the foremost websites that I have used in this time include the world famous familysearch.org, run by the Latter Day Saints and often referred to as LDS; Ancestry, operated by the Generations Network;  The Genealogist.co.uk;  Genes Reunited and   Findmypast.com. (Disclosure re these links: Compensated Affiliate.)

FamilySesarch, however, is one of the biggest genealogy organizations in the world and as such is an important on-line tool for any family historian. Countless millions of us will search the records, resources, and services of this website to learn more about our family history each year. For more than a century the people behind it have been actively gathering, preserving, and sharing genealogical records worldwide. Today, the users of the site are able to freely access the database, including the International Genealogical Index as well as church member contributed material, on-line at FamilySearch.org, or through over 4,500 family history centres in 70 countries.

The Internet resource is provided by The Church of Jesus Christ of Latter-day Saints whom you may be more familiar with as the Mormon Church. Their commitment to helping people make a connection with their ancestors comes from their belief that families are meant to be central to our lives and that family relationships are intended to continue into the after life. From this they therefore believe that all family members including those living, past, and those from the future, share an enduring bond which stretches across the generations.

Their website does not require you to share their beliefs at all, but is open to all of us to use what ever our creed, or culture is. It is a very useful resource for anyone engaged in the detective work involved in tracing one’s family tree.

The International Genealogical Index and Hugh Wallis.

Once you have keyed in your ancestor’s name into the search box you will be accessing a compilation of entries from baptism and marriage registers drawn from parishes and their equivalent from all over the world. Although it is a site run from the USA, for those of us with UK roots it still very relevant as it represents us well with index records. Some English counties in particular having excellent coverage.

The site, however, has certain issues in the way that you can search it. One of which is it is not always simple to find your ancestors even when they are there to be found in the IGI – which, of course, is not always the case. The reason why you may not find them is because to search by last name only is not permitted by the site’s search engine, unless you search within a single batch of records at a time or, across the entire country! You will probably understand that a search for a last name across the whole of England is a very tall order indeed. Remember it is not even a search of a single county, let alone a town that we are talking about here. If you have a rare name then perhaps it might be OK to do, but if you are looking for a Smith or a Jones then you are asking the impossible.

I have learnt that there is a way around this problem. It is to use a really handy website set up by an enthusiast to aid the family history researcher find their way around the FamilySearch site. What is more, it helps us know what registers are available on the IGI. The secret weapon to crack open the Family Search site is the website maintained by Hugh Wallis: http://freepages.genealogy.rootsweb.com/~hughwallis/IGIBatchNumbers.htm

The possible ranges he allows you to access are the Births/Christenings and Marriages for the British Isles, Canada and the USA. I really cannot recommend this tool highly enough to you. With it you may select a geographic location, see the churches and chapels for that area and then, by typing in the last name of your ancestor, it will use the search engine on FamilySearch to allow you to easily examine all the batches for that surname in the town or area that you are concentrating on.

Some Issues With the IGI.

Please remember, when doing your research, that the International Genealogical Index:

is incomplete – and this applies not only on a parish by parish basis, but to within parishes as well where gaps may also be found to confound you

– is compiled from several different types of record including information submitted by members of the LDS church supplying information that can sometimes be plain inaccurate and not having come from the original parish register

– has countless mistakes caused by problems associated with interpreting handwriting and also the previously noted member submitted entries

– does not, except for a few cases, cover burials;

– is only an index and so you really should not ever considered it to be a substitute for looking at the original record.

A short while ago, as I tried to get back a generation from where the census records on line had stopped in 1841, I found I was having to turn to the Parish Records. For my Scottish line I was able to use the easily accessed old parish records (OPR) on Scotlandspeople.gov.uk website, but for my English line the lack of scanned records meant the challenge of learning how to break into this area of family history research was a fascinating test for me.

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Clandestine Marriages

Today I wanted to look at Clandestine marriages!

Well what are they you cry?

The answer is that “Clandestine” marriages were weddings that perhaps had an element of secrecy attached to them.

They may have taken place in another part of the country away from a home parish, and probably without either banns being read or a marriage licence obtained. The secrecy could have been for all sorts of reasons for example lack of parental consent; or more salaciously where bigamy was involved.

The facts that fees were paid to the clergymen meant that some were willing to conduct such marriage ceremonies. What is more the number of such unions were quite enormous, particularly in London.

You will find that certain churches were important centres for such “trade”and in the 1740s, over half of all London weddings were taking place in the environs of the Fleet Prison and not all the brides and grooms would have been from the capital city.

“Fleet Marriages” were performed by bogus priests and disgraced ordained clergy. Although there were most probably earlier ones, the earliest Fleet Marriage on record is 1613, while the earliest recorded in a Fleet Register took place in 1674.

The Fleet was a jail and so, as such, claimed to be outside the jurisdiction of the church. The prison warders took a share of the profit, even though a statute of 1711 imposed fines upon them for doing so. What this did was move the clandestine marriage trade outside of the prison. It was in the lawless environs of the Fleet that many debtors lived and some of them may well have been disgraced clergymen. Marriage houses or taverns now carried on the trade, encouraged by local hostelry keepers who sought out business by employing touts to actively solicit custom for them.

If you wish to search for these Clandestine marriages on line then you are in luck as you can find them at: www.ancestry.co.uk (Disclosure: Compensated Affiliate.)Ancestry.co.uk on a computer screenTheir London Marriage Licences data set allows you access to the details of more than 25,000 marriages in London spanning four centuries.

This collection is not just about “Fleet marriages” but is for unions made outside church approval – those away from the spouses’ normal parish and often you will be able to find the names of brides and grooms, parents and witnesses as well as residence, age of spouses and the occupation of the groom. This collection has marriage licences granted in the dioceses of London by the Bishop’s office from 1521 to 1828, the Dean and Chapter of Westminster’s office from 1599 to 1699 and two offices of the Archbishop of Canterbury from 1543 to 1869 and 1660 to 1679 and so is an important resource for the family historian.

Take a look at Ancestry.co.uk.

Disclosure: Compensated Affiliate.

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