In the UK there is almost never any need for the removal or sale of a person’s goods as a result of bankruptcy.  You must remember that by entering the bankruptcy process you have joined a court/legal led process that is designed to produce the maximum reasonable return for your creditors.  The insolvency service have no interest in the threats and intimidation that are employed by debt collection agencies.  For normal people (i.e. if your house isn’t stuffed with valuable antiques) then the insolvency service will have no interest in the contents of your house because the amount that they would raise at auction would be less than the cost of collecting/selling it.  Just indicate on the bankruptcy form that you don’t have anything of value in your home and in almost all cases your home will not be visited by court officials.

If they did visit then the list of exclusions to what they can take is long:.  Things that you need for day-to-day living like fridges, chairs, 1 TV.  Things that are jointly owned or not owned by the debtor personally (children’s toys etc. etc.).

The type of things that you might lose are cars (unless the debtor can prove that it is needed for their job)/boats/caravans if they are owned by the debtor.  If large assets like this are owned jointly then they would need to be valued and half their value would need to be paid into the bankruptcy.