Apply for bankruptcy

To apply for bankruptcy you need to complete and submit a Bankruptcy Form.

How to submit your Bankruptcy Form

  • Using the online form which contains additional information to guide you to complete. This will reduce the likelihood of the form being returned to you for missing or incomplete information; providing you with more timely relief from unmanageable debts.

  • If you are completing the form on behalf of someone else or if online lodgement is not an option for you, you can lodge your application offline. To do this, contact us for a Bankruptcy Form and return it via post.

Before you apply

The consequences of bankruptcy are serious and a bankruptcy 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 apply for bankruptcy online by creating an Online Services account.

You can either create a Digital Identity or an AFSA account.

Digital Identity is a simple, safe and secure way to prove who you are. Once set up, you can reuse it with other services whenever you need it. Learn more about Digital Identity.

An AFSA account is for use on our website only. AFSA uses the Australian Government Identity Matching Services to help you prove who you are. Learn more about IDMatch.

Already created an Online Services account?

Get help with creating an Online Services account.

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 online.

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.

If you submitted your Bankruptcy Form online you can log back into your account to see the status of your application and, once accepted, your AFSA administration number.