Bankruptcy & Insolvency Articles
Practical guides to bankruptcy petitions, IVA proposals, insolvency proceedings, and preparing court bundles under the Insolvency Rules 2016.
Bankruptcy Petition vs Debt Relief Order: How to Choose in 2026
Compare bankruptcy and Debt Relief Orders side by side: thresholds, fees, what happens to your home, jobs, bank accounts. Which route fits your debt level, assets and income.
How to Apply for Your Own Bankruptcy: 2026 Online Application Walkthrough
Step-by-step guide to applying for your own bankruptcy at gov.uk: the £680 fee, what documents you need, the 13 sections of the online form, what happens after submission.
Setting Aside a Statutory Demand: 2026 Defence Guide
Defending a statutory demand under Insolvency Rules 2016: the four grounds, the 18-day deadline, what to file, what the witness statement needs, and how the hearing works.
Bankruptcy Restrictions Orders and Undertakings: Defending the BRO/BRU
Defending a Bankruptcy Restrictions Order (BRO) or Bankruptcy Restrictions Undertaking (BRU) under section 281A and Schedule 4A of the Insolvency Act 1986. The 2-15 year period bands, defence strategies, BRU negotiation, and bundle preparation for the contested hearing.
Income Payments Orders and Agreements (IPO/IPA) After Bankruptcy
How Income Payments Orders and Agreements work under sections 310 and 310A of the Insolvency Act 1986. Surplus income calculation, the 50/50 split, the 36-month maximum period, variation, and what happens at discharge.
Asset Disclosure in Bankruptcy: What the Official Receiver Asks For
The duty to disclose assets in bankruptcy under section 333 of the Insolvency Act 1986. What the Statement of Affairs covers, what the OR cross-checks against, special-category assets (pensions, matrimonial home, cryptocurrency), and the criminal consequences of concealment under sections 354-358.