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i This solution is only available in England, Wales and Northern Ireland.

After bankruptcy

Bankruptcy register

Bankruptcy is public information. If you go bankrupt, the details of your bankruptcy will be recorded on a database called the Individual Insolvency Register.

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
  • Address
  • Occupation
  • 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.

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Where is my bankruptcy recorded?

Details of all bankruptcies in the UK are also published in The Gazette. This is an official ‘newspaper of record’ that lists official notices. This information is available for free on the Gazette website.

All bankruptcies in the UK are also advertised in the paper version of The Gazette. Three versions of this are printed weekly, in London, Edinburgh and Belfast.

The paper shows the same information available online and looks like this.

The Gazette shows the same details as the Insolvency Register, and you can request that your address is hidden if this would put your personal safety at risk.

If bankruptcy is the most suitable debt solution for you don’t let the Gazette listing put you off.

You can’t prevent your details appearing in the Gazette and it’ll remain in their records permanently. It’s unlikely that anyone you know would find this information by mistake, and creditors don’t refer to this information when making decisions about lending to you in the future.