---
title: "Creditor's bankruptcy notice: AFSA online application completion guide"
url: "https://ailawframework.com/precedents/insolvency-restructuring-and-bankruptcy/creditors-bankruptcy-notice"
type: "precedent"
site: "AI Law Framework"
id: "a8-creditors-bankruptcy-notice"
area_id: "A8"
kind: "form"
ai_level: "yellow"
version: 1
law_stated_as_at: "2026-10-17"
---

# Creditor's bankruptcy notice: AFSA online application completion guide

> Practical guide to applying for a bankruptcy notice through AFSA Online Services: the preconditions, what goes in each part of the application, service, and the traps that defeat a later creditor's petition.

Canonical page: https://ailawframework.com/precedents/insolvency-restructuring-and-bankruptcy/creditors-bankruptcy-notice  
Law stated as at: 2026-10-17

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

- Kind: Form. A form to complete, or a guide to completing an official one.
- Practice area: [Insolvency, Restructuring & Bankruptcy](https://ailawframework.com/precedents/insolvency-restructuring-and-bankruptcy.md)
- Jurisdictions: Australia
- AI level: Yellow. AI can help in set ways. A lawyer checks specific points before use.
- Law stated as at: 2026-10-17
- Status: Maintained. Checked on 2026-10-17 against the official form at afsa.gov.au and the 3 authorities it cites, for Australia.

## When to use it

Use when a creditor client holds a final judgment or order of $10,000 or more against an individual and wants to start bankruptcy proceedings. Do not use against a company (use a statutory demand) or before the judgment is final.

## How AI may be used

Close supervision. The notice issues through AFSA's own system from a judgment, so AI may only prepare the judgment-debt particulars and an interest schedule for a person to check against the sealed judgment.

**AI may:**

- Extract the parties' names, judgment date, proceeding number and judgment amounts from the sealed judgment into a particulars sheet for checking.
- Prepare a draft interest schedule using the rate and legislation the lawyer has identified, showing every step of the calculation.
- Build a service checklist and evidence index for the affidavit of service.

**AI must not:**

- Must not insert a compliance or petition deadline as a date the firm relies on.
- Must not submit or amend the application in AFSA Online Services.
- Must not change the debtor's name from the form in the judgment, even to correct an apparent error.

**The lawyer checks:**

- Names match the judgment exactly and the judgment is final, unstayed and not more than 6 years old.
- The amount claimed, excluding post-judgment interest, is at least the statutory minimum.
- Any interest claimed is allowed by the court and the schedule is correct.
- Service is effected within 6 months of issue and proved by affidavit.

## Authorities

- [Bankruptcy Act 1966 (Cth) s 5(1) (statutory minimum), s 40(1)(g), s 41, s 44](https://www.legislation.gov.au/C1966A00033/latest/text)
- [Bankruptcy Regulations 2021 (Cth) s 10A (prescribed statutory minimum)](https://www.legislation.gov.au/F2021L00261/latest/text)
- [Australian Financial Security Authority, Bankruptcy notice (guidance page)](https://www.afsa.gov.au/owed-money/bankruptcy-notice)

## Official form

[Official form](https://www.afsa.gov.au/online-services-help/creditor-bankruptcy-notice)

## Where this comes from

The official form is published by afsa.gov.au; this page is a completion guide. Last checked on 2026-10-17.

## Full text and drafting notes

The full text and the drafting notes are not part of this public page. Signed-in firm accounts can read them at https://ailawframework.com/precedents/insolvency-restructuring-and-bankruptcy/creditors-bankruptcy-notice and through the signed-in MCP connector https://ailawframework.com/mcp/firm.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*