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