Details of any bankruptcy in England and Wales can be found by searching the Individual Insolvency Register online. The register is also free to view in Northern Ireland, but it can only be searched by contacting the High Court in Belfast.
This information includes:
- Your name
- Date of the bankruptcy order
- The official receiver’s details
You can’t stop your details appearing in the register and they’ll normally remain there until three months after you’re discharged from your bankruptcy. This can be extended if the official receiver finds you’ve acted dishonestly or fraudulently before your bankruptcy.
However, if publishing your address places you at risk of violence, for example from an abusive partner, you can apply to the court to withhold your address from the register.
It’s unlikely that anyone you know would find information on the register by accident.
Your bankruptcy will also appear on your credit file for six years. This will make it much harder to get credit. Again, this period can be extended if the official receiver finds evidence of dishonesty or fraud.
It’s unlikely that the Insolvency Service will publish details of your bankruptcy in your local paper. They’ll usually do this if you’re hiding assets or debts, or not cooperating with the official receiver. Anyone else who has a right to know about your bankruptcy will be contacted directly by the official receiver.