From 6 April 2016, instead of going to court, individuals wanting to apply for bankruptcy will apply online via the central UK Government website, https://www.gov.uk/apply-for-bankruptcy
The intention is to provide information in one place, on a trusted government website which people visit when exploring what government services exist to help them with problem debt.
The decision to take bankruptcy out of the courts is one of the reforms being made to ensure that people in financial crisis get swift access to the right insolvency solution. Many people are intimidated by the idea of going to court and so will not consider bankruptcy, even though they are in financial crisis and urgently need debt relief. The new online form will be easier to access and use than the current paper application. Applying for bankruptcy will still be a big step and one which people in financial distress generally only contemplate when they believe no other option is available to them.
Applying for bankruptcy will still be a big step and one which people in financial distress generally only comtemplate when they believe no other option is available to them.
Applications for bankruptcy submitted online will be determined by an Adjudicator within the Insolvency Service. Once an order has been made, the case will transfer to the Official Receiver in the same way as it does in the current process.
People will be able to pay the fee online when they apply for bankruptcy, and will be able to pay by instalments (online payments only). The new adjudicator fee will be £130, replacing the current £180 court fee.