Our specialist Bankruptcy Support team get a lot of questions about the forms needed to go bankrupt.
If it is definitely the best solution to your debt problems, we can help you throughout the bankruptcy process, including completing forms.
What forms are needed to go bankrupt?
Everyone going bankrupt in England and Wales needs to complete these two forms. These are now only available online and you can’t get them from your local county court. If you do not have a printer at home, try your local library.
If you are on a low income, you can complete this form to ask the court to reduce or waive the £175 court fee. It is available online or you can get a copy from your local county court
How many copies do I need?
You must take three copies of forms 6.27 and 6.28 to your hearing. You can complete one copy and photocopy it twice rather than writing it all out three times. Photocopy it before you go to the hearing as the court may charge a lot for copying.
You only need to take one copy of form EX160. It comes with guidance notes and the two-page form itself is on pages 17-18. These are the only pages you need to print.
What else do I need to take?
If you have completed form EX160, you must take the correct proof of income requested on pages 7-8 of the guidance notes. If you do not have the proof and you are unable to pay the £175 fee, your hearing will not go ahead.
You must also take:
- The £525 bankruptcy deposit and £175 court fee in cash.
- Some proof of ID such as a passport or drivers licence.
- A copy of your tenancy agreement, rent statement or similar if you live in rented property.
How to fill in forms 6.27 and 6.28
If you are not used to filling in paperwork, bankruptcy forms can look scary.
Form 6.27 is only a few pages long, but it can be confusing. There are some Insolvency Service guidance notes accompanying it which may help.
Form 6.28 is much longer but the questions are mostly straightforward. The Insolvency Service has published some guidance notes which will help you complete it.
You should always remember the following tips when filling in these forms:
- Don’t sign the forms – you will sign them at the court before your hearing.
- All amounts should be rounded to the nearest pound – don’t show pennies.
- If you can’t type the forms, you must write neatly in black ink and block capitals. If you are hand-writing it, do a rough copy first or write in pencil and go over it in pen when you’re sure you have it right.
- Some items in the assets page of form 6.28 can only be completed at the last minute. For example, you will only know how much ‘cash in hand’ you have on the day you go bankrupt.
- Fill in all sections which apply to you. If you are unsure about dates, addresses, amounts or account numbers do your best to find them. Only give approximate dates or amounts if you really can’t get the correct information.
- Give truthful and complete information in the forms – lying or hiding anything from the Official Receiver can get you into very serious trouble.
Finally, a word of warning – some unscrupulous companies will offer to complete bankruptcy forms for a charge. The fees we’ve seen advertised for these ‘services’ often run into many hundreds.
If you’re still struggling to complete the forms after reading the guidance notes our dedicated Bankruptcy Support team can help you absolutely free of charge.