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8. Assuming that I am made bankrupt, can I rent a property in the private sector, or does the Council have to re-house me?

 

This question pre-supposes that your home is to be disposed of by the Trustee or mortgage lender. If that is the case, then there is no reason at all why you cannot rent privately, but you will obviously have to pay the rent in advance, or declare to your Landlord that you are an undischarged bankrupt for your rent is likely to be in excess of £500 per month and you would therefore offend the rule of obtaining credit of more than £500 without notification. The rules in respect of Council Housing apply whether you are bankrupt or not, In other words, if you are not intentionally homeless, the Council have an obligation to house you whether a single person, a couple or a family. Of course the Council’s housing obligation does not mean that they have to provide you with the sort of accommodation you would wish, particularly where there are no children involved.

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