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England This advice applies to England: England home Advice can vary depending on where you live. After you go bankrupt. This section deals with issues or problems you may encounter after going bankrupt. This will run for at least three years from the date of the order. If your circumstances change, you'll need to tell the Official Receiver, so they can review these arrangements.
You'll still have to meet ongoing commitments such as rent or new debts after you become bankrupt. The Official Receiver or a trustee in bankruptcy can make other applications to the Court following a Bankruptcy Order.
They include:. Even after the bankruptcy period, you may find it difficult to get credit. The Official Receiver does not send any form of notice to credit reference agencies.
The agencies pick up information from other sources such as the Insolvency Register, bankruptcy advertisements in newspapers and the Enforcement of Judgements Office.
Details of your bankruptcy are also kept on the Insolvency Register which is maintained by the Bankruptcy and Chancery Office at the High Court and contains records of all insolvencies in Northern Ireland for the last ten years. Bankruptcy normally lasts for one year. After this time, you'll be 'discharged' from your bankruptcy regardless of how much you still owe. Your discharge could happen earlier if you co-operate fully with the Official Receiver.
In some cases and if you've behaved irresponsibly for example, by not co-operating , bankruptcy can last for more than one year.
If you're thinking about declaring yourself bankrupt or you're being threatened with bankruptcy, it's important to get independent advice. We will not reply to your feedback. Don't include any personal or financial information, for example National Insurance, credit card numbers, or phone numbers. The nidirect privacy notice applies to any information you send on this feedback form. Comments or queries about angling can be emailed to anglingcorrespondence daera-ni.
If you have a comment or query about benefits, you will need to contact the government department or agency which handles that benefit. Contacts for common benefits are listed below. Call Email dcs. Call Email customerservice.
Comments or queries about the Blue Badge scheme can be emailed to bluebadges infrastructure-ni. For queries or advice about claiming compensation due to a road problem, contact DFI Roads claim unit. For queries about your identity check, email nida nidirect. For queries or advice about criminal record checks, email ani accessni.
For queries or advice about employment rights, contact the Labour Relations Agency. For queries or advice about passports, contact HM Passport Office.
For queries or advice about pensions, contact the Northern Ireland Pension Centre. As you keep track of your credit score during and after bankruptcy, you'll learn better how to improve it over time and keep it in a good place going forward. Want to instantly increase your credit score? Until now, those payments did not positively impact your score.
This service is completely free and can boost your credit scores fast by using your own positive payment history. It can also help those with poor or limited credit situations. Other services such as credit repair may cost you up to thousands and only help remove inaccuracies from your credit report. The purpose of this question submission tool is to provide general education on credit reporting.
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