Welcome to the
Bankruptcy Advice Service
Our team of bankruptcy advice experts can answer any question about bankruptcy, just get in touch.
You’re not alone, our friendly experts help 100’s of people in similar situations to yours every week.
If bankruptcy is unavoidable, the longer it is delayed the worse your financial position is likely to be.
We believe there is little benefit in struggling to pay creditors for say, another 3 months, making the extent of your problems worse, when that money could be put to better use later.
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 less than you owe
Creditors have to accept less money than is owed. They have no choice other than to accept your bankruptcy.
The Official Receiver deals with all creditor correspondence and any payments due to them.
Managed Bankruptcy Service
Our specialist solicitors help with the application on your behalf, reducing the chances of errors or complications.
We can normally stop bailiffs shortly after you’ve spoken with us.
Less stigma as it becomes more commonplace
Over 1,000 people per week are made bankrupt in England and Wales.
Debts We Can Help With
Most debts can be included in bankruptcy and alternative solutions
Unsecured Personal Loans
Payday and Doorstep Loans
Council Tax Arrears
Gas, electric & water arrears
Some debts cannot be included in bankruptcy, such as 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.
Learn the facts and get bankruptcy advice with our handy guides
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