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With around 120,000 bankruptcies and IVAs a year, the family practitioner needs to be on guard for the possibility of the bankruptcy of the client or their spouse or civil partner, and to fully understand the effects. Care also needs to be taken to ensure that no attempt is made to avoid financial responsibilities by a party using the bankruptcy legislation as a device to defeat a claim. In this detailed guide to the impact of insolvency on relationship breakdown, Liz Cowell explains the key terms and examines the role of the trustee in bankruptcy. She then sets out the rules surrounding a bankrupt’s estate and income, the matrimonial home and pensions. The effect of insolvency on ancillary relief claims is studied in detail, with key tips for practitioners in this fraught and complex area.