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The Bankruptcy Service - Case Studies

The following bankruptcy case studies are fictitious examples, designed to help you understand working situations where bankruptcy is and isn't appropriate.
We aim to regularly add extra scenarios, so that you have a comprehensive understanding of the bankruptcy process.

Bankruptcy and tax - will HMRC still pursue payments?

Having closed down my business, I am worried about liable tax. Click here.

Extra debts discovered since bankruptcy - where do I stand?

As a new debt has only just come to light, will this change my bankruptcy order? Click here.

Bankruptcy v IVA - which is best?

As a sole trader forced to close my business, what should be my next step - bankruptcy or an individual voluntary arrangement? Click here.

Bankruptcy v IVA Part 2 - which is best?

Bad health has resulted in reduced income - what should I do? Click here.

Bankruptcy proceedings brought against me by HMRC - the next steps.

Will they visit my house? And other questions. Click here.

The bankruptcy register - am I still on it?

Having long since left bankruptcy behind me, am I still on record? Click here.

I have received funds whilst bankrupt - what are my obligations?

Do I have to declare an unexpected financial boost? Click here.

I'm considering bankruptcy for a second time - is this a good idea?

I'm worried about how it will be perceived if I go down this route again. Click here.

Essential outgoings - how much is reasonable?

How much am I expected to live on each month? Click here.

Bankruptcy and mortgages - is it possible to get one?

How long after being discharged from a bankruptcy do I have to wait? Click here.

Bankruptcy and personal possessions - a question.

I'm worried about losing one possession in particular, as it is important to my work. Click here.

Bankruptcy and tenancies - will my landlord know?

I'm worried that my landlord finding out about my bankruptcy could affect my tenancy. Click here.

Bankruptcy and bank accounts - will I be able to have one?

Will my bank remove all my privileges if I enter bankruptcy? Click here.

Bankruptcy and the courts - will I have to see a judge?

I am concerned that bankruptcy will make me feel like I am on trial. Click here.

Bankruptcy and tax - do I still pay it?

What are my obligations regarding my tax code whilst I am going through the bankruptcy process in the UK? Click here.

Bankruptcy and debts - which will be written off?

Is it everything, or are there exceptions? Click here.

Bankruptcy and properties - will a sold house be reclaimed?

Having sold a house to a relative prior to bankruptcy, I am concerned they may now lose it. Click here.

Bankruptcy and creditors - adding an extra creditor to the list.

I've discovered a new debt as I move towards bankruptcy proceedings. What do I do? Click here.

Bankruptcy and property - how cohabitants can be affected.

A relative lives with me and has contributed towards the house build. Where do they stand? Click here.

Paying off debts in a bankruptcy - can it be annuled?

Having paid off my debts, can I now cancel the arrangement? Click here.

Bankruptcy & Ex-Partners: Debt Liabilities.

My ex-partner has been made bankrupt. Am I liable for her mortgage payments? Click here.

Bankruptcy & Self-Employment - Variable Earnings.

My earnings have varied considerably during my bankruptcy period. Will this pose a problem? Click here.

Bankruptcy & Holidays.

I feel like I have earned a break. Will this pose a problem? Click here.

Bankruptcy & Homes.

My wife pays our mortgage. Will my bankruptcy put our house at risk? Click here.

Bankruptcy & Delving Into Your Finances.

How far back will the official receiver delve into my affairs? Click here.

Bankruptcy & Student Loans.

Having offered the chance to become a mature student, will this pose a problem to my bankruptcy? Click here.

Bankruptcy & Creditors.

Will struggling to remember all my debts pose a problem for my bankruptcy petition? Click here.

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.