We accompany you to your bankruptcy hearing

The Bankruptcy Hearing

What happens on the day

It is up to the local County Court to decide whether a bankruptcy order should be issued. A bankruptcy hearing might appear quite daunting but it needn’t be so as we will be with you to provide help and guidance. You will be required to appear before a Judge in Chambers (behind closed doors) and these Judges tend to be kind and understanding people. They realise that this will be somewhat traumatic for you but want to be sure that you understand what you are doing and the circumstances of the case before granting the order. Generally a Judge would deal with two or three cases in the morning and two or three cases in the afternoon, starting at 10 am.

The Judge will explain to you that all things being equal you should get an automatic discharge of your bankruptcy within one year, and for straight forward cases this can be very much sooner. The appearance before the Judge can be as little as a few minutes and with us at your side there should be nothing to worry about.

The Official Receiver

Two to three weeks later you will be required to talk to the Official Receiver, and this can be a much longer discussion. For cases which are straightforward and where the sum is not large (say less than £50,000) this interview can be conducted on the telephone. However for larger sums and more complicated cases it involves a face to face interview which can take between an hour and an hour and a half. Again this is held in private and should not generally present a problem.

As you can see it is most beneficial to have an expert with you at your side guiding you along the way. We are very experienced at doing this and we would hope that you would give us the opportunity to help you.