This debt may be covered by my bankruptcy or insolvency

What's happening

You are bankrupt or in a formal insolvency arrangement — such as a debt agreement or personal insolvency agreement — and you believe this debt may be covered by it. If so, it may need to be dealt with through that arrangement rather than collected directly. The way to resolve it is to let us know and give us the details to check.

This is general information, not legal advice. Insolvency is a specialist area, so please also seek free, independent advice.

What to do

Tell us, in writing, that you are in a formal insolvency arrangement and provide the details — the type of arrangement, the date it started, and your trustee or administrator's contact details where you have them. Ask us to check whether this debt is covered and to direct dealings to your trustee or administrator if appropriate.

Step by step

1. Note our reference and gather your insolvency details.
2. Write to us stating you are in a formal insolvency arrangement.
3. Give the type of arrangement, the start date, and any administration number.
4. Provide your trustee or administrator's contact details if you have them.
5. Ask us to check whether this debt is covered and to liaise with them if so.
6. Keep dated copies and tell your trustee or administrator about the contact.

What evidence helps

Useful details include any reference number for your arrangement and your trustee or administrator's contact information, which lets us liaise directly. If you are unsure whether a particular debt is covered, your trustee, administrator or a free service can advise. Our Help Centre has more general guidance.

Who to contact

Let us know through the contact page, and keep your trustee or administrator informed. For free, independent advice on insolvency, call the National Debt Helpline on 1800 007 007, which can refer you to specialist help. If a dispute cannot be resolved, an external scheme such as AFCA may be able to consider it.