Before bankruptcy   From commencement of bankruptcy
Have debts   All your unsecured debts are written off
May have assets You Have a duty to contribute surplus income to the Official Assignee for 3 years
May have income    
    Owns your assets
Has no role OA Receives creditor claims
    Administers your estate
    Distributes payment to your creditors
Your creditors deal directly with you Creditor Your creditors deal directly with the OA and can no longer contact you directly


Post-bankruptcy frequently asked questions  15X15