Bankruptcy normally ends after 3 years and 1 day.
If a creditor makes you bankrupt (also called a sequestration order), the bankruptcy period starts when we accept your Bankruptcy Form[?]. You will need to complete a Bankruptcy Form using the Insolvency Services portal.
Your 3 year period of bankruptcy will not start until the form has been accepted.
In some cases, your trustee[?] may object to your bankruptcy ending. We call this an objection to discharge. Your bankruptcy could be extended up to 8 years if you fail to:
- provide information to your trustee
- disclose all income
- make compulsory payments[?]
- explain how you spent money
- reveal all assets and debts.
What if I want to request a review?
You can request a review of, or appeal, your trustee's decision by completing and lodging a Request for review form.
For more information see Request for review.
Once we receive your request for review:
- we’ll reply to your request
- we may ask you to provide further information or evidence
- we’ll provide a written explanation of any decisions made
- if required, we’ll explain further ways to appeal.