Home and Housing
Check which debts bankruptcy covers
Summary
maintenance payments and child support payments, including any lump sum orders and costs from family proceedings, although you may be able to ask the court to order that you don't have to pay this debt * any payments a court has ordered you to make under a confiscation order, for example, for drug trafficking * debts you owe because of the personal injury or death of another person, although you might be able to ask the court to order that you don't have to pay this debt You’ll need to keep paying your mortgage and any other debts secured on your home - for example, debts secured with a charging order. If you fall behind with the payments, bankruptcy won't stop your mortgage lender from taking steps to repossess your home. If you have an income payment agreement (IPA) or income payment order (IPO), tell the official receiver you need to keep paying a secured debt. Ask them if you can pay less under the IPA or IPO so you can keep paying the secured debt as well. If your home is repossessed and sold, but doesn't raise enough money to pay off your outstanding mortgage or any other debt secured on it, the remaining debt will no longer be secured. This means you'll be released from.
Key information
- maintenance payments and child support payments, including any lump sum orders and costs from family proceedings, although you may be able to ask the court to order that you don't have to pay this debt
- any payments a court has ordered you to make under a confiscation order, for example, for drug trafficking
- debts you owe because of the personal injury or death of another person, although you might be able to ask the court to order that you don't have to pay this debt
- find out more about partnership joint applications on GOV.UK
- get advice from Business Debtline on their website
- took it out before you went bankrupt
- are told to pay it after you’ve gone bankrupt, but it’s because of something that happened before
- maintenance payments and child support payments, including any lump sum orders and costs from family proceedings, although you may be able to ask the court to order that you don't have to pay this debt
- any payments a court has ordered you to make under a confiscation order, for example, for drug trafficking
- debts you owe because of the personal injury or death of another person, although you might be able to ask the court to order that you don't have to pay this debt
- You’ll need to keep paying your mortgage and any other debts secured on your home - for example, debts secured with a charging order. If you fall behind with the payments, bankruptcy won't stop your mortgage lender from taking steps to repossess your home.
- If you have an income payment agreement (IPA) or income payment order (IPO), tell the official receiver you need to keep paying a secured debt. Ask them if you can pay less under the IPA or IPO so you can keep paying the secured debt as well.
Practical guidance
Related topics
More in this area
Sources
- Citizens Advice — Check which debts bankruptcy covers
This is signposting information from the Legal Shaman wiki, not legal advice. Always consult a qualified solicitor for your situation.