Register as a creditor if a person or company owes you money and the court issues them with a bankruptcy or winding-up order.
When you register, you’ll be added to the list of creditors (people who are owed money). You’re not guaranteed any payment, but you’ll be:
- kept informed about the case
- allowed to vote on decisions at any creditors’ meetings
Creditor claims are different in Scotland - see the Accountant in Bankruptcy website.
How to register
Contact the person who’s handling the case and tell them you’re owed money.
You can find their details on either:
- the Individual Insolvency Register if it’s an individual bankruptcy
- the Companies House website if it’s a company liquidation
If you’re owed more than £1,000 you’ll need to submit a ‘Proof of Debt’ form.
If you’re owed £1,000 or less, you need to give the person handling your case your contact details and tell them how much you’re owed.
Who handles the case
Your case will usually be handled by a court official who deals with bankruptcies and liquidations, known as an ‘official receiver’.
They might hand the case over to an insolvency practitioner - a lawyer or accountant who specialises in debt recovery.
The official receiver or insolvency practitioner might also be called:
- the ’trustee’ in a bankruptcy
- the ‘liquidator’ in a company liquidation
Read the guidance on what happens after you’ve registered as creditor.