Apply for bankruptcy

To apply for bankruptcy you need to complete and submit a Bankruptcy Form. You can submit your Bankruptcy Form using the Bankruptcy Online portal. 

Before you apply

The consequences of bankruptcy are serious and generally can’t be cancelled if you change your mind. Make sure you read and understand the consequences of bankruptcy before you apply.

If you’re in financial difficulty, we recommend contacting a financial counsellor. Financial counsellors offer free, independent and confidential services to help you get back on track and discuss your options for dealing with unmanageable debt. 

To speak with a financial counsellor contact the National Debt Helpline on 1800 007 007. This free hotline is open from 9:30am to 4:30pm Monday to Friday. There are also more tools and resources available online on the National Debt Helpline website.

For more information about bankruptcy and other insolvency options see;

How to apply

To apply for bankruptcy you need to complete and submit a Bankruptcy Form. You can submit your Bankruptcy Form using the Bankruptcy Online portal. 

For help with Bankruptcy Online, including options to submit your application offline see Bankruptcy Online support.

If you’ve arranged for a registered trustee to manage your bankruptcy, ask your trustee to complete a Consent to Act Declaration and submit this at the same time as your Bankruptcy Form. Alternatively, your trustee can submit your application to us on your behalf.

Once we receive your application

If we accept your bankruptcy application, we'll send you and your creditors[?] confirmation in writing. This confirmation contains your AFSA administration number[?]. Your creditors may ask for this.

If we don't accept your application, we notify you in writing with the reason why.