National Personal Insolvency Index (NPII)

The name of the debtor. 

This name remains on the NPII as the name attached to the administration or proceeding.  Any change of name or other name advised during an administration will be entered as an alias name. 

A bankruptcy under Part IV of the Bankruptcy Act can be made in two ways: 

• Debtor's Petition - an application by the debtor. On the date the application is accepted, the person is made bankrupt and their details are registered on the NPII. 
• Creditor's Petition - an application by a creditor to make a debtor bankrupt.  On the date a Sequestration Order is made by the court, a debtor is made bankrupt and their details are registered on the NPII. 

Note: the bankruptcy is deemed to start at 12.01am on the date the application is accepted or the order is made. 

To administer bankrupt estates, a private trustee must be registered. Applications are submitted to the Inspector-General (AFSA) and decided by a Committee. If accepted the trustee is registered on the NPII. 

The word ‘Trustee’ next to the label Administration Type refers only to the registration of a private trustee, not to a trustee’s appointment to a specific administration. 

Registered Debt Agreement Administrators are not currently displayed on the NPII. 

A debtor has voluntarily applied for bankruptcy by completing a Bankruptcy Form and filing (or lodging) the documents with the Official Receiver (AFSA). 

When a Bankruptcy Form is accepted by the Official Receiver, the person is made bankrupt and is registered on the NPII. 

A creditor/s has filed an application with the Federal Circuit Court or Federal Court of Australia requesting the Court to make a debtor/s bankrupt. 

A creditor/s can also petition the Court to place a deceased person’s insolvent estate into a bankruptcy administration under Part XI of the Bankruptcy Act. 

A Court order for bankruptcy against a debtor, resulting from a Creditor’s Petition. 

Note:  The word ‘Sequestration’ will usually appear against the Petition Type label together with the word ‘Bankruptcy’ against the label Administration Type. 

Unique reference number for a proceeding. 

This label applies to Types Creditor’s Petition and Trustee 

Each AFSA Reference will consist of the originating State or Territory and a Number. 

Example -   NSW 345678 // 

Unique identification number for an administration.  This applies to all Types except Creditor’s Petition and Trustee (see AFSA Reference above). 

Each identification number consists of the following: 

• State or Territory 
• Number of the administration or proceeding 
• Year of the administration (at the start date) 
• a random computer check-digit. 
• Example: NSW/123456/13/5 

Roman numerals show which part of the Bankruptcy Act the administration was made under; 

• IV - Part four - Bankruptcy (for example, NSW/123456/13/5 IV) 
• IX - Part nine - Debt Agreement (proposal and agreement) (for example QLD 234/14/8 IX) 
• X - Part ten - Section 188 Authority and a Personal Insolvency Agreement (for example VIC 456/10/6 X) 
• XI - Part eleven - Bankruptcy of an deceased person’s insolvent estate (for example NSW 40/11/8 XI) 

Year is usually displayed as two digits but for the years 2000 through 2009 only one digit will be displayed. For example, the year 2002 will display as NSW/123456/2/6 IV. 

A start date of one of the following: 

• Debtor’s Petition - the start date for a bankruptcy when a debtor’s completed application was accepted by the Official Receiver (AFSA) 
• Creditor’s Petition - the date the petition was filed with the Court 
• Sequestration - the date an order to make a person bankrupt was made by the Court. 

Date a Personal Insolvency Agreement was accepted by creditors. 

For the progress of a Debt Agreement, see also Date ended and Result - an exception. 

Debt agreement dates: 

• the date a debtor lodged a proposal for a Debt Agreement through the Official Receiver and creditors have been given an opportunity to vote on whether to accept or reject the proposal, and 
• if the proposal was accepted by creditors, the date the Debt Agreement was accepted will display. 

Business Name used by the appointed trustee or administrator. 

If the trustee is the Official Trustee in Bankruptcy, the business name will appear as AFSA (Australian Financial Security Authority). 

Date an administration or proceeding has been discharged, terminated or ended. 

If <Contact ITSA> appears the record is likely to have a start date prior to July 1992. Due to legislation changes, dates of discharge may be required to be calculated on a case by case basis.  Note that AFSA used to be called ITSA. 

If a Debt Agreement has been proposed and the creditors have not yet made a decision: 

• both the Date Ended and Result labels will display no information. 

If a Debt Agreement has been made (the creditors have agreed to the proposal):  

• Date Ended label will have no information 
• Result label will display 'Accepted''. 

If a Debt Agreement has been complied with, terminated or ended in some way, or if the creditors have rejected the Debt Agreement Proposal: 

• both Date Ended and Result labels will display information. 

If you apply for bankruptcy, it normally ends 3 years and 1 day after we accept your bankruptcy application.

If a creditor makes you bankrupt, it normally ends 3 years and 1 day after you file a Statement of Affairs that we accept.

This will be affected if an objection to discharge has been entered.

If a date appears against this label, the Statement of Affairs has been filed with the Official Receiver (AFSA). 

If <Not yet Filed> appears, the Statement of Affairs has not been filed. 

This label will appear for bankruptcies (made by either debtor’s petition or Sequestration Order) S188 Authorities and Personal Insolvency Agreements.