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The Bankruptcy Service - Case Study Example: Writing Off Debts

The following bankruptcy case study is a fictitious example, designed to help you understand working situations where bankruptcy is and isn't appropriate.

When you are made bankrupt, many, but not all, types of debt are no longer for you to pay.

If I declare bankruptcy, what debts will be written off?

Apart from the traditional debts you would expect to be included, such as credit card bills, loans and overdrafts, you may also include in your list of debts utility bills, creditor bills, tax credit overpayments and council tax, as long there is not a liability order already in place. A wide variety of debts can be included – basically most things you are not in a position to repay. You can’t include speeding fines, or any court fines, child support payments nor student loans. Parking fines however are permitted.

For some more details, see our Bankruptcy FAQ page.
Free debt counselling and advice is also available from the Money Advice Service available at: doesn't charge a fee for its bankruptcy service, but receives remuneration from the partners that we work with in order to keep operating. Those partners must charge a fee to the customer to likewise cover operational costs, and this amount will vary depending on the solution offered, and the terms of the parner. For details of these terms, please refer to the website of the organisation dealing with your bankruptcy. Upon application with, we will forward your information on to one of our specialist debt partners. You will then be contacted, and you will be able to explain your case, and expert advice will be offered in order to ascertain the most appropriate debt solution.