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 for 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 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.