How To Get Bankruptcy Discharge Papers?

Unless you have been advised otherwise, your discharge from bankruptcy will happen automatically, so you won’t necessarily get proof sent to you.

Certificate Of Bankruptcy Discharge

Where a bankrupt is entitled to an automatic discharge under the terms of his/her bankruptcy, no formal certificate of discharge will be issued automatically by the court. If written evidence is required, the former bankrupt must apply to the court which dealt with the bankruptcy. A fee is payable to the court for the provision of a certificate of discharge and any additional copies.

Insolvency Register

Details of your discharge will also be on the Insolvency Register for 3 months after discharge. You can print this entry off as proof you’ve been discharged from bankruptcy.

Additionally, a record of your bankruptcy is also made in the Land Charges Registry and it lasts for five years. However, once discharged you can apply to the courts to have the record altered from “bankrupt” to “discharged from bankruptcy”.

Advising the Credit Reference agencies.

Once discharged, the Official Receiver does not automatically inform your credit reference agencies of the end of your bankruptcy – it is down to you to pass on this information – ie. Send on a copy of your Certificate of Discharge, or letter from the Official Receiver, to each of your agencies. Once this is done a record of your discharge will appear on your credit reference file.

Despite discharge, an entry of your bankruptcy will remain on your file for a period of six years from the date of the original bankruptcy order (and may affect your ability to get credit, even after the order has ended). After that time the record shall be automatically removed.