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How to declare bankruptcy

If you have looked at all the routes available to you and you have reached the conclusion that declaring bankruptcy is the best option, then you need to go through a formal process with the courts. This means submitting a formal application in order to begin the procedure.

It is extremely important to note that before you do this you need to ensure that you have enough cash to cover your daily expenses. This is because as soon as your bankruptcy is made official, all of your accounts will be frozen and you will not be able to access any of the funds in them.

In This Guide:

Contact you county court

Your bankruptcy application will be handled by your local county court. Your local county court will be the court in the area that you have lived in for at least 6 months.

If you live in the city of London, you will need to send your application to the High Court. If this is not the case for you, then you can find the relevant county court by checking the "courts" section in your phonebook. Another way to find out which county court is your local one is by checking Her Majesty's Court Service online at www.hmcourts-service.gov.uk.

If you need to contact the High Court because you live in London, you can do so by using this contact information:

Bankruptcy court

Royal Courts of Justice




Tel: 020 7947 6000

Tel: 020 7947 6441 (Bankruptcy enquiries)