Welcome to the
Bankruptcy Advice Service

We offer confidential, sympathetic bankruptcy advice and solutions for people who want to go bankrupt and those wanting to avoid bankruptcy.

Our insolvency team can answer any question about bankruptcy, just get in touch.

We can assess your situation, provide information on bankruptcy and help you understand the other options available.

You’re not alone, our friendly experts help 100’s of people in similar situations to yours every week.

bankruptcy advice

Family Saved From Bankruptcy

We help 100’s of people and families Avoid Bankruptcy every week. We can help you today.

advice on bankruptcy

We’ll answer your questions to help you decide if declaring yourself bankrupt is the right option for you.

If bankruptcy is unavoidable, the longer it is delayed the worse your financial position is likely to be.

Is Bankruptcy Right For Me?

Bankruptcy may be best for you if you can’t see how you can ever repay your debts

A definite outcome

Most people are discharged from bankruptcy after 12 months at which point all included debts are written off, giving a fresh start.

Pay back what you can afford

Creditors may receive less money than is owed. They have no choice other than to accept your bankruptcy.

Creditor protection

The Official Receiver deals with all creditor correspondence and any payments due to them.

Legal Advice on Bankruptcy

If needed, we can help by introducing you to specialist insolvency solicitors who can advise on specific matters or concerns you have relating to bankruptcy.

Bailiffs Stopped

We could stop bailiffs shortly after you’ve spoken with us.

Less stigma as it becomes more commonplace

Over 1,000 people per month are made bankrupt in England and Wales.

Debts We Can Help With

Most debts can be included in bankruptcy and alternative solutions

Credit Cards

Unsecured Personal Loans

Payday and Doorstep Loans


CCJ Debts

Catalogue Debts

Council Tax Arrears

Gas, electric & water arrears

Some debts cannot be included in bankruptcy, such as criminal court fines, child maintenance arrears and student loans. Secured creditors can still take action against you. If you can afford it, you will be expected to make some contribution towards the bankruptcy for up to 36 months.

Important: Bankruptcy is a serious matter with some severe consequences. See Important Considerations to be taken into account before applying for or allowing yourself to become bankrupt.

1-2-3 Steps to getting out of debt

We will handle your enquiry with care and sensitivity – in the strictest of confidence.

1 - Get an answer online

Fill in your details and we’ll let you know whether bankruptcy could be right for you.

2 - Speak to us

A bankruptcy specialist will call you to talk through your options and what to do next.

3 -Start to take control

We can get you on the right solution without delay, so you can start taking control.

Helping Families Everyday

Read what people are saying about us