7. When does bankruptcy end?

Your bankruptcy and the restrictions generally end when you’re ‘discharged’. This is usually 12 months after the court made you bankrupt. It can be longer, for example, if you break the bankruptcy restrictions or don’t co-operate with your trustee.

Check your discharge date online using the Individual Insolvency Register.

Proof of discharge

Discharge is usually automatic - you won’t be sent a letter. To get proof, you can:

  • ask the official receiver for a confirmation letter (no fee)
  • ask the court for a ‘Certificate of Discharge (£70 and £5 for extra copies)

If you’re discharged early you’ll be sent a ‘Notice of early discharge’. This can happen if the Official Receiver (a bankruptcy court officer) finishes looking into your affairs and your creditors don’t object.

Bankruptcy registers

These are updated as follows:

  • the Individual Insolvency Register - within 3 months of your discharge
  • the Land Registry - when the property is no longer needed to pay your bankruptcy debts
  • the Land Charges Register - 5 years from the date the court made you bankrupt

For more detail, speak to your trustee.

Your credit record

Send the credit reference agencies a copy of any official document about your discharge. It’s your responsibility to update your credit file.

Cancel a bankruptcy

There are times when your bankruptcy can be annulled (cancelled). Read further guidance from the Department for Business, Innovation and Skills.

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