When does bankruptcy end?
Your bankruptcy generally ends when you're 'discharged'. This is usually 12 months after the sheriff court made you bankrupt. It can be longer if you break the bankruptcy restrictions or don't co-operate with your trustee.
Proof of discharge
Discharge is usually automatic — you won't be sent a letter. You can ask the Accountant in Bankruptcy (AiB) for a certificate of discharge, you have to pay £11 (no waivers) for this.
You won't automatically receive your discharge. The trustee will produce a report confirming whether you should be discharged or not.
After you have been discharged
Once you've been discharged, the bankruptcy won't be finished until the trustee has finished their duties. You should co-operate with the trustee until they're discharged. You'll be notified of the trustee's application for discharge.
Your credit file
Credit reference agencies usually hold information about a bankruptcy for 6 years from when the bankruptcy was granted.
It's your responsibility to update your credit file.
You'll also remain on the Register of Insolvencies until 2 years after your trustee has completed their duties.
Cancel a bankruptcy
A bankruptcy can end sooner than normal if: