Discharge from bankruptcy

Summary

Your bankruptcy agreement might not cover debts you owe to people or companies in the EU. Your creditors could keep asking you for money while you’re bankrupt and after you’re discharged from bankruptcy. If you live in the EU, they could take you to court in the EU. EU creditors still have to sue here in the UK rather than abroad in the EU, even if they have an existing judgment. The UK will recognise EU judgements entered or started before 31 December 2020. Get legal advice if you have creditors in the EU. Find free or affordable legal help. When you're discharged from bankruptcy, you're freed from any debts that were included in your bankruptcy. You’ll still need to pay any debts bankruptcy doesn’t cover or any caused by your fraudulent activity. Normally, you'll be discharged from bankruptcy after 12 months, on the first anniversary of the date the bankruptcy order was made. In some cases you might be discharged later. This is called ‘delayed discharge’. You can use the Individual Insolvency Register to check your discharge date on GOV.UK. Your records will be removed from the register 3 months after you’re discharged. During the bankruptcy period an 'official receiver' from.

Key information

• sold your share to someone - like your partner, friend or family member
• applied to the court for an order that you and anyone else living in your home have to leave
• applied to the court for a charging order
• come to an agreement you’ll pay them the value of your share
• current and previous address
• your details will automatically be removed from the Insolvency Register 3 months after your discharge
• if you want your credit record to show you've been discharged, you should send confirmation to each of the credit reference agencies and ask them to update your file - remember the bankruptcy will show on your file for 6 years after the bankruptcy order
• fill in Land Charges form K11 on GOV.UK - there’s a £1 charge for each entry you want to cancel
• apply to HM Land Registry on GOV.UK
• PPI claims after bankruptcy
• Bankruptcy restrictions orders
• Co-operating with the official receiver

Practical guidance

• Source: Discharge from bankruptcy

Related topics

More in this area

• Check if a financial service has followed the rules
• Check if you have to pay a debt
• Check the rules after you go bankrupt
• Check what an IVA is
• Cold called by a debt management plan provider