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BANKRUPTCY ADVICE SERVICE
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    Bankruptcy Petition
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    Statutory Demands
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    Official Receiver
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    Your Bankruptcy Hearing
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    Debts Excluded from Bankruptcy
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    Your Assets
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    Your Property
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    Your Car & Bankruptcy
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    Bank Accounts
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Debts not included in Bankruptcy

Bankruptcy does not clear all debts in all circumstances. You may still be liable for some debts, even after discharge from bankruptcy.

Secured Debts - This includes mortgages, secured loans. However, if the property is sold to provide funds towards the bankruptcy, but does not cover the amount owed, then that debt is no longer secured and therefore can be included in the bankruptcy.


Benefit And Tax Credit Overpayments.

Where overpayments are made before the bankruptcy order and a decision is made to recover them after the bankruptcy order, then the debt remains after bankruptcy discharge.

Council Tax

You are liable for council tax for the remainder of the current year if not served with a liability order or final demand.

Child Maintenance

CSA and Child support liabilities can NOT be included in bankruptcy.

Student Loans

Student Loans fall outside of the Insolvency Act 1986, and can therefore not be included in bankruptcy.

Court Fines

Personal Injury Claims

Fraud - Debts arising from acts of fraud can not be included in bankruptcy.

Any Credit Obtained Just Before Bankruptcy

Last-minute credit obtained with little intention of respecting the credit agreement can be excluded and/or result in a Bankruptcy Restriction Order.

Interest - You may be liable for an interest payable on any of the above debts.

Expert help and advice when you need it most

The Bankruptcy Advice Online team of specialists can quickly assess whether you qualify for bankruptcy or whether it can be avoided. You can find out now, online if you qualify for help by taking the Bankruptcy Eligibility Test, or simply call the team on 0800 088 2147

Our panel of specialists can quickly advise you if you qualify for an IVA,
Debt Management Plan, Trust Deed as an alternative to bankruptcy.
Simply call the team on 0800 088 2147.
Alternatively take the online debt test and find your best solution. Find your best solution with the online debt test

Bankruptcy Alternatives

Become stress free from as little as £100 pcm
With a Debt Management Plan you could simply pay one affordable monthly payment and no longer have to deal with your creditors..
See if you qualify  DMP eligibilty test
 
Write off up to 70% of your debt
If you qualify for an IVA you could:
Write off up to 70% of your debt
Freeze all interest & charges
Keep your house

See if you qualify  IVA eligibility test
 
Scottish Resident?- be debt free in 36 months
Be DEBT FREE in 36 months using Scotland's answer to the IVA.
See if you qualify  Trust Deed eligibility test
 
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DebtAdvice-Online.co.uk does not charge you any fees for our service, however the partners we work with help fund the DebtAdvice-Online.co.uk service. Our partners charge fees and those vary depending on the partner and the debt solution. Customers should refer to our partners' websites for more information regarding their services.

We will pass your details on to one of our debt partners who will contact you and explain all the options available to you. They will then be able to help you set up a debt solution which is right for you.

Debt solutions should not be entered into lightly - they affect your credit rating. Failure to keep up with repayments can result in bankruptcy or legal action. Different debt solutions have different risks attached to them.

The lender is not obliged to accept less in settlement of the debt than they are entitled to; nor to freeze interest or charges. It could result in the total amount payable increasing, or the period over which it is to be repaid increasing. Debt solutions affect credit ratings.

The debt products and solutions offered by our partners depend on your criteria and circumstances, including how much you owe and how many creditors you owe money to. You need to speak to a debt advisor to obtain a full assessment.

 
 
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Bankruptcy

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What is bankruptcy?
Effects of bankruptcy
Disadvantages of bankruptcy
Bankruptcy costs
Alternatives to bankruptcy
Bankruptcy petition
Official Receiver
Bankruptcy hearing
Debts excluded from bankruptcy
Bankruptcy and assets
Bankruptcy and your home
Bankruptcy and your car
Bankruptcy and your pension
Bankruptcy and bank accounts

IVA's

What is an IVA?
How does an IVA work
IVA vs bankruptcy
Benefits of an IVA
Do I qualify for an IVA?
Trust Deeds

What is an PTD?
How does a PTD work
PTD vs bankruptcy
Benefits of a PTD
Do I qualify for a PTD?
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Do I qualify for a DMP
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