This invaluable guide to managing the process of, and surviving, personal bankruptcy has been written against the backdrop of the pandemic and the subsequent record numbers of people currently declaring themselves bankrupt. The book is aimed solely at individuals, not at companies or other organisations. A detailed background to the insolvency service and the general law covering bankruptcy is given along with the alternatives to bankruptcy, including the new Debt Respite (Breathing Space) Regulations 2020. Overall, anyone reading this book will benefit from the detailed information.