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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.
When your bankruptcy ends, you are released from most of your debts and no longer need to pay them. However, there may be some debts that you still need to pay. Find out more on what happens to my debts.
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?