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How long does bankruptcy generally last?
If you apply for bankruptcy, automatic discharge will generally* happen 3 years and 1 day from when the Official Receiver (AFSA) accepts your bankruptcy application.
If a creditor makes you bankrupt, automatic discharge will generally* happen 3 years and 1 day after you file a statement of affairs that the Official Receiver (AFSA) accepts.
We refer to this as being discharged from bankruptcy.
* Note: In some cases, your trustee can extend your bankruptcy by lodging a notice of objection to discharge with the Official Receiver. An objection will extend the period of bankruptcy so automatic discharge will not occur after the usual 3 years and 1 day.
End of bankruptcy enquiries
If your bankruptcy is administered by a registered trustee, contact your trustee to request:
- your expected bankruptcy end date
- confirmation your bankruptcy has ended.
If your bankruptcy is administered by the Official Trustee (AFSA):
- Find out when your bankruptcy is expected to end, or request a discharge letter by completing the End of bankruptcy enquiry online form.
- When your existing bankruptcy ends, a discharge letter will be automatically issued to your preferred method of correspondence. Please ensure we have your most recent contact details.
Can my bankruptcy end early?
There are 3 ways a bankruptcy can be annulled. This may involve paying your debts in full, making an offer to creditors to finalise your debts by repaying a percentage (less than payment in full), or applying to the court.
For more information, see How do I annul my bankruptcy?