Creditor bankruptcy notices

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What is creditor bankruptcy notices?

Creditor bankruptcy notices is an online service that lets you apply for a bankruptcy notice if someone owes you or your company $10,000 or more. 

Usually, applying for a bankruptcy notice is part of the process to make someone bankrupt.

For more information on what a bankruptcy notice is, see Bankruptcy notice.

What can creditors do online?

  • apply for a bankruptcy notice
  • save partly completed applications to complete later
  • track the progress of applications once lodged
  • track the completeness of the details entered
  • provide a draft of the bankruptcy notice for review prior to submission of the application
  • update and maintain contact details for online lodgements
  • have fees charged to your account

Register for creditor bankruptcy notices

You must register for our Online Services to apply for a bankruptcy notice. You can choose to register your organisation or as an individual user.


To access Creditor bankruptcy notices online services on behalf of an organisation, you need a Digital Identity linked to the ABN in Relationship Authorisation Manager (RAM).

Digital Identity is a safe, secure and convenient way of proving who you are when you want to access services online. Set it up once, and then reuse it whenever you are asked to prove who you are. One of the benefits is that you don’t need to remember passwords. myGovID is the Australian Government’s Digital Identity app.

Once you’ve created your Digital Identity, you need to link it to an ABN using RAM. RAM is an authorisation service that allows you to act on behalf of a business online when linked with your Digital Identity, like myGovID.

How you link will depends on your role:

  • principal authority – person responsible for the organisation
  • authorised administrator or user - is someone who acts on behalf of an entity. To learn more about the Australian Government Digital Identity System, refer to the Digital Identity website.

To access the service with your Digital Identity:

  • Select Login
  • Select Continue with Digital Identity
  • Select myGovID as your Identity app. You will need a Standard strength Digital Identity.
  • After authenticating, you'll be redirected back to Creditor bankruptcy notices
  • Enter your user/organisation details

Once you complete these steps, you will have successfully created and be logged in to your Creditor bankruptcy notices online services account.

Note: the first person in your organisation who logs on to Creditor bankruptcy notices using Digital Identity will be assigned to the Administrator and Manager roles. Any subsequent person who logs on after the administrator will be assigned to the Manager role. As an administrator, you can execute restricted activities such as update your organisation details and manage other user accounts within Creditor bankruptcy notices. As a manager, you can submit and maintain bankruptcy notice applications.

Individual user

If you do not work for an organisation with an ABN you will need to register to use the online service as an individual user. This requires you to set up a username and password account.

Protecting your identity and preventing identity theft is important to us. For this reason, after registering, you will need to prove your identity to gain full access to online services.

The online proof of identity service allows you to securely submit your identity details for verification. You must complete a 60-point identification check.

Step 1 - Register as an individual user

In the top right-hand side of the creditor bankruptcy notices login page, click the 'Register as a individual' link.

Complete the required fields and select “Register”.

You will be given the option to proceed to complete your proof of identity or defer to a later time. If you choose to defer this, you may draft and save applications, but you won’t be able to submit them until your identity is verified. A link will be available on your online dashboard for you to compete your proof of identity at any time.

Step 2 – Prove your identity

Choose your identity documents to submit from the below list of primary identity documents to meet the 60-point check. Then submit your proof of identity using the online proof of identity service.

Once your identity has been verified, you can proceed to draft, save and submit applications.



Australian Passport 
Must be current or have expired within the last 24 months. 


Australian Birth Certificate 
Extracts or birth cards are also accepted. 


Australian Citizenship Certificate 
If Australian Citizenship Certificate is under a parent’s name you must supply a copy of the front and back of the document if your name is listed on the back. 


Australian Visa (including copy of overseas passport) 
Australian visa document must be current and you must supply a copy of the visa and the overseas passport associated with the visa, showing your name and passport number. 


Change of Name Certificate 
A deed poll certificate issued by a state or territory government agency is also accepted.  


Australian Marriage Certificate 
Church or celebrant issued certificates are not accepted. 


Immigration Card 
Current immigration card - Permanent Residence Evidence Card (PRE), Evidence of Immigration Status Card (EIS) or Evidence of Humanitarian Status Card (EHS). 


Australian Drivers Licence 
Must be current and show signature and/or photo. 

International drivers’ licences cannot be accepted.  


Medicare Card 
Must be current. 


Already registered?

You can log back in at the following link:

Making payments

For information on how to make a payment in our online service, see: Creditor bankruptcy notices payment information.

Support and FAQs

How is my proof of identity information protected online?

Once you submit your proof of identity information online, it is encrypted and sent through secured pathways to the issuing authority. The issuing authority then either confirms or denies your identity. You will be granted full access to online services or continue to have draft and save privileges only. No personal information from your request is stored by AFSA.

What happens if my proof of identity submission is unsuccessful?

The online proof of identity service allows three attempts to submit your identity document details. If your request has been returned as unsuccessful, make sure you have entered the information correctly. After three attempts of an individual document, the selected document will be locked.

If you have locked your documents through too many attempts, contact us and we will assist you to unlock your documents. AFSA does not store any of the information you submit through the online proof of identity service. As such, our staff will be unable to see why your request has not been successful.

If you have entered the information correctly and your submission is unsuccessful, please contact us.

Issues with uploading documents

Bankruptcy notice applications may require supporting documents to be uploaded. Documents can be uploaded in any of the following formats:

  • Microsoft Office documents (doc, docx, xls, xlsx)
  • PDF documents
  • Rich text files (rtf)
  • Word Perfect documents (wpd)
  • Image documents (jpg, gif, png, bmp).

Documents in any other format will not be accepted. Your file will also be checked for viruses when you attempt to upload it. A maximum file size of 10MB is allowable.

A notice will appear on screen if you attempt to upload a document in an unacceptable format, if your file contains a virus or is larger than 10MB.

Viewing uploaded documents

Documents uploaded may be downloaded at any time by reviewing the details of the application submitted and clicking the title of the relevant document.

Forgotten password

Follow the below steps to reset your password:

  1. On the Online Services Login screen, click the Forgot your password? link next to the login button.
  2. Enter your Username and Email Address for your online account, then click Submit.
  3. Enter the Answer to your Secret Question that you nominated during registration, then click Submit. Please note that your answer is case sensitive. You have up to 5 attempts to answer before your account is locked.
  4. Online Services will send you an email containing a system generated password.
  5. Login to Online Services using your Username and the system generated password.
  6. After you login you will be prompted to change your password.

If you have forgotten your secret question and answer, your account has been locked or you did not receive an email with a system generated password, please contact us for assistance.

Supported browsers
  • Microsoft Edge
  • Internet Explorer 11
  • Chrome
  • Firefox
  • Safari

The minimum screen resolution supported is 1024 x 468 pixels running in 256 colours.

Online Services uses SSL (Secure Socket Layer) encryption for all logged-in use.