Follow this link to the ICAEW's guide to creditors on Liquidators' fees for liquidations starting prior to 6 April 2010.  Floow this link to the ICAEW's guide to creditors on Liquidators' fees for liquidations starting after 6 April 2010.

 

www.insolvency.gov.uk  This is the Insolvency Service website, the home of the Official Receiver.  Quite a lot of information here, but you have to search out the best bits and it is written in typical Civil Service style!  

 

Piggy Bankrupt  The website of someone who has gone bankrupt, excellent reading.

 

Bailii: this is a link to British and Irish Legal Information Institute website which contains the decisions on hundreds of UK legal cases.  Of great use if you need to research the detail of a particular case, or to explore how a particular issue could effect you. 

 

A link to R3's website page linking to individual Statements of Insolvency Practice ('the SIPs').

 

The IVA Protocol : Read the IVA Protocol, including standard IVA terms, that have been agreed by IPs governing bodies with lenders to see the horrendous terms that finance creditors are imposing on consumer debtors.  Don't instruct an IP to put in place an IVA for you without first reading the small print in this! 

 

The IPA Debtor's guide.  This guide, provide by the Insolvency Practitioners Association, summarises the options that individuals with financial problems have, including the pros and cons of each option.  Click on the IVA protocol and debtors guide link on the right hand of the page, and then take the top option 'Debtors' guide.  The IPA site also contains details on the current attitude of the banks to the IVA Protocol - there you will see the banks who are really not playing ball with the Protocol or debtors' IVA proposals generally.

 

Companies House: Click here to be taken to Companies House brochure on options for dealing with insolvent companies.

 

Click here to be taken to the Taxaid website, for help on dealing with debt owed to HMRC.

 

Click here to go to the those parts of the Official Receiver's Technical Manual that the OR is willing to give out: there are several useful sections of the manual which will help you take much of the guesswork out of going into bankruptcy.  The following links to brochures produced by the OR may also be of interest,dependent on your circumstances:

 

1)     The matrimonial home;
2)     Income Payments Agreements/Orders;

3)     Discharge from bankruptcy;

4)     Bankruptcy Restriction Orders;

5)     What happens when you are interviewed by the OR;

6)     Your pension;

7)     Overall summary/guide to bankruptcy;

8)     What happens to your bank account in a bankruptcy.