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What is a PARV?

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Updated: 24th June 2021

Understanding a Person at Risk of Violence Order (PARV) during insolvency proceedings

A Person at Risk of Violence Order (PARV) can be used to ward off violent creditors by preventing your address from being made public when entering personal insolvency proceedings, such as Bankruptcy.

The Individual Insolvency Register records all Bankruptcy Orders, Debt Relief Orders and Individual Voluntary Arrangements. If you enter bankruptcy, details such as your name and address will be made public on these platforms, however, you can take precautionary action if this will put you at risk of violence from creditors.

You can only apply for a Person at Risk of Violence Order if you have started a Bankruptcy application. If your application is accepted, your address will be withheld from the Individual Insolvency Register and the London Gazette, however, this will not prevent your name from being published.

How can I apply for a Person at Risk of Violence Order (PARV)?

If you are an insolvent sole trader at risk of violence from creditors, you can apply for a Person at Risk of Violence Order to prohibit your address from being published on the Individual Insolvency Register. If you are unable to repay creditors, the situation can quickly deteriorate, exposing you to serious threats and violence. If you believe that creditors are likely to target you or family members that live with you because of unpaid debts, applying for a PARV can provide protection.

We run through how you can block your address from being published on the Insolvency Register.

  • Complete PARV application form: You will need to complete a ‘Bankruptcy Application for an Order for non-disclosure of current address’. The PARV application form will require you to provide a bankruptcy application number. You will also need to provide the full address that you wish to keep private and you can request for any previous addresses to be included in the order. The application form must be accompanied by a witness statement which must run through why disclosing your address could put you or family members that you live with at risk of violence
  • Submit PARV application form to court: You must take your completed form to the nearest court that deals with personal bankruptcy. They will inform you of any fees payable, this is likely to be around £280.00, however, this will depend on the local court as fees may be waived in some cases
  • Attend PARV hearing: You will be invited to a court hearing to present your application. The decision to block your address from public viewing will be made on the same day

Once a PARV order is granted, you will be able to submit your bankruptcy application with confidence that your address will not be disclosed.

Where bankrupt sole traders are in serious debt with creditors, personal information, such as your address may be used by creditors to inflict violence. A PARV order will provide sufficient protection against creditor threats by concealing your address, however, your name will remain on the public register. By providing sufficient evidence to support your application, you can urge the judge to honour your application.

When operating as a sole trader, you will be held personally liable for the debts of your business. If you no longer have sufficient cash flow to continue trading, this could lead you to become bankrupt.

Seeking professional insolvency advice can help you deal with creditor affairs first-hand and open the door to formal personal insolvency recommendations. We have over 100 offices across the country and the Real Business Rescue team can arrange a free consultation to assess your individual circumstances.

Keith Tully

Partner

0800 644 6080
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