What debts can you include in bankruptcy?

• Unsecured debts like personal loans, credit cards and store cards

• Debts you owe to utility companies e.g. electricity, gas, internet and phone

• Fees for services e.g. legal fees, accounting fees, medical fees

• Overdrawn bank accounts

• Shortfall on disposal of asset

If you have a secured car loan or a mortgage over a property, the asset is repossessed and you are left with a shortfall after the sale, this amount can be included in the bankruptcy