As of 13 August 2026, AI can only partly explain your bankruptcy options in the UK.

What to actually do

1. Hand it to a person

   The route this page recommends

   Someone with a licence or accountable authority has to sign this before it counts.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open GOV.UK guidance on dealing with debt and note your nation within the UK, because bankruptcy rules differ between England, Wales, Scotland and Northern Ireland.
   2. Gather recent creditor letters, balances, court or enforcement paperwork, income records, essential spending, details of your home and other assets, and any joint debts.
   3. Paste the information into the prompt, replacing each bracketed slot and removing anything you do not know rather than guessing.
   4. Ask the chatbot to produce the comparison, keeping general information separate from points requiring a debt adviser or insolvency practitioner to confirm.
   5. Compare each stated rule and eligibility condition with the relevant GOV.UK guidance for your nation, and mark any claim the chatbot cannot source.
   6. Send the comparison, your documents and the unanswered questions to a free debt adviser before applying for bankruptcy or another formal solution.

   Prompt

   Explain my possible debt solutions in the UK using the information below. Do not tell me that one option is definitely right for me, do not invent facts, and do not estimate missing figures. First identify whether I am in England, Wales, Scotland or Northern Ireland and explain if the rules differ. Compare only the options relevant to my situation, which may include bankruptcy, an IVA, a debt management plan, a debt relief order or Breathing Space. For each relevant option, explain eligibility, what happens to my debts, likely effects on my home and other assets, income, credit record and joint debts, the main risks, and what I need to check before applying. Separate general information from anything that would require a debt adviser or insolvency practitioner to confirm. Use GOV.UK or another official UK source where possible, state when you cannot verify a rule, and finish with a short list of documents and questions to take to a free debt adviser. My information is:
   
   Jurisdiction: [England, Wales, Scotland or Northern Ireland]
   Household circumstances: [brief description]
   Debts and creditors: [list, including any joint or secured debts]
   Monthly income: [amount and source, or say unknown]
   Monthly essential spending: [amount and main items, or say unknown]
   Home and other assets: [brief description]
   Arrears, court action or enforcement: [brief description]
   Employment or self-employment: [brief description]
   Other relevant facts: [brief description]

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.