Bankruptcy Petitions
A creditor petition asks the court to make you bankrupt. It's rare — but when it happens, timing matters enormously.
Creditor bankruptcy petitions — what happens next
A hearing date is set. You can pay, negotiate, propose an IVA, or dispute the petition. Doing nothing means bankruptcy.
Read the full guideCreditor petitions vs debtor's own application
Bankruptcy can start with the person who owes the money or the person owed. The routes and costs are very different.
Read the full guideRelated guides
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Bailiffs & Enforcement
Enforcement agents (bailiffs) have strict legal powers — but also clear limits. Knowing the rules protects you.
3 guidesCounty Court Judgments (CCJs)
A CCJ is a court order confirming you owe money. It's a serious mark on your credit file — but there are ways to reduce the damage.
3 guidesCharging Orders
A charging order turns an unsecured debt into one secured on your home. It doesn't force a sale, but it changes the risk profile.
2 guidesAttachment of Earnings
An Attachment of Earnings Order tells your employer to deduct money from your wages to pay a judgment debt.
2 guidesStatutory Demands
A statutory demand is a formal warning of possible bankruptcy proceedings. It has to be taken seriously — but it's not itself bankruptcy.
2 guidesDebt Collection Agencies
Debt collection agencies act on behalf of creditors or buy debts outright. Their powers are the same as any other unsecured creditor.
2 guidesNot sure where to start? We'll walk you through it.
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