National Personal Insolvency Index

The Official Receiver maintains an index containing information on proceedings and administrations under the Bankruptcy Act. This index is called the National Personal Insolvency Index (NPII).

What is the public record?

The National Personal Insolvency Index (NPII) is the public record of personal insolvency proceedings in Australia. It is maintained and updated by AFSA and contains records since August 1928.

The NPII provides publicly available information about the insolvency status of individuals. Schedule 8 of the Bankruptcy Regulations outlines the information contained on the NPII. Any person can pay a fee to conduct a search of the NPII, including creditors, journalists and potential employers.

An ‘extract’ of the NPII shows name and other personal information that identifies a debtor, the type of insolvency proceeding, the date it started, the administration number and the name and contact details of the trustee or administrator of the proceeding.

What information is recorded?

Registration of a person on the NPII will always be connected with an administration or proceeding.  The following types of insolvencies are recorded:

  • creditors’ petitions
  • debt agreements
  • personal insolvency agreements
  • bankruptcies
  • insolvent deceased estates
  • control orders and authorities.

Personal information recorded on the NPII record includes:

  • the name, date of birth (if known), residential address and occupation of the person as disclosed on documents accepted by the Official Receiver
  • the person’s previous names and aliases, if known
  • the type of proceeding, the date it started and the administration number
  • the name and contact details of the trustee or administrator of the proceeding
  • the current status of the person and/or the proceeding (eg whether a person is discharged from bankruptcy or whether a creditor’s petition for a person’s bankruptcy is in progress).

The information to be recorded on the NPII is outlined in Bankruptcy Regulation 13.03.

How long is information recorded on the public record?

Bankruptcy and other administrations

(except debt agreements and debt agreement proposals)

Information recorded will remain permanently on the NPII.

Debt agreements

Debt agreement details will remain on the NPII for a limited period, depending on when the agreement was made and how it ends.

  • Where the obligations of a debt agreement are discharged under s185N of the Bankruptcy Act 1966 (the Act), information relating to the agreement will remain on the NPII for five years from the date the agreement is made, or the date the obligations are discharged, whichever is later.
  • Where a debt agreement is terminated under sections 185P (termination proposal); 185Q (termination by order of the court); 185QA (termination for designated 6-month arrears default); or 185R (termination due to bankruptcy of debtor) of the Act, information relating to the agreement will remain on the NPII for five years from the date the agreement is made, or two years from the date of termination, whichever is later.
  • Where a debt agreement is declared void by the court under section 185U of the Act, information relating to the agreement will remain on the NPII for five years from the date the agreement was made or two years from the date of the court order, whichever is later.

Debt agreement proposals

Where a debt agreement proposal is withdrawn; not accepted by creditors under s185EC; cancelled under section 185ED; or lapses under s185G, information about the proposal will be removed from the NPII within one year of the proposal being withdrawn; not accepted; cancelled; or lapsing.

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AFSA provides general information but does not offer legal advice, legal interpretations or opinions.