The OR is a civil servant who works for the Insolvency Service and also acts as an officer of the court. He/she will have the responsibility of administering your bankruptcy and protecting your assets.
The OR is responsible for looking into your financial affairs for the period before and during the bankruptcy and is required to submit a report to the court and to the creditors on the findings of this investigation. As part of this investigation the OR will look for and must also report any indications that:
- You may have committed criminal offences in connection with your bankruptcy
- Your behaviour has been dishonest
- You have been in any other way to blame for your bankruptcy
The OR will be required to make enquiries to banks, building societies, mortgage, pension and insurance companies, solicitors, landlords and any other organisations that may be able to provide details of any assets or liabilities that you have, or have had, an interest in.