Filing Tracker
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How bankruptcy works in England & Wales
Bankruptcy is a formal insolvency process. You apply online through the GOV.UK adjudicator service, pay a fee of £680, and your application is usually decided within a few weeks. Once made bankrupt, most debts are written off and you are normally discharged after 12 months. An Income Payments Agreement (IPA) may apply for up to 3 years if you have surplus income.
Debtrupt helps you prepare and track the steps — we are not FCA-authorised and don't give regulated debt advice. For free regulated advice, contact StepChange, National Debtline or Citizens Advice.
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