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Form N93 UK: List of Creditors Guide (2025)

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Part ofCounty Court Forms UK

Written by Brad Askew Solicitor (non-practising)
Brad is on the roll of solicitors of England & Wales but does not hold a practising certificate and does not provide legal advice.
Updated June 2026 · England & Wales
If a court has asked you to file Form N93, you are being required to set out, in a formal way, who you owe money to and how much. The form sits under the Administration of Justice Act 1971 and is typically used where a debtor's creditors collectively exceed a threshold set by the court. For many people, filling it in feels daunting because the stakes are real: the information is sworn, and the District Judge uses it to understand the full picture of your liabilities. This guide walks through what Form N93 is for, how to gather the information you need, and the practical steps involved in completing and swearing the list. It is written for England and Wales and aims to demystify a form that can look more intimidating than it really is.

What this document is

Form N93 is a court document used by debtors to provide a sworn list of their creditors under the Administration of Justice Act 1971. In plain terms, it is a schedule of everyone you currently owe money to, prepared in the format the court expects, and signed under oath.

The form is most often encountered in the context of administration orders or similar court-supervised arrangements, where the court needs a complete and honest view of a debtor's liabilities before it can proceed. Each creditor is listed individually, alongside the sum owed, any third party who may also be liable for that debt (such as a co-signatory or business partner), and any security that has been given, for example a charge over property or a vehicle used as collateral.

Because the list is sworn, any creditor left off or misstated can cause problems later on, so accuracy matters a great deal. The form is submitted to the court and reviewed by a District Judge.

How to use this document

  1. Pull together your records. Before you touch the form, gather every piece of paperwork that relates to money you owe. That means credit agreements, loan statements, utility arrears notices, court judgments, council tax letters, hire purchase agreements, and any correspondence from debt collectors. The more complete your records, the more accurate your list will be.
  2. List each creditor separately. Take each creditor in turn and set out their full name and postal address, together with the balance currently outstanding. Where a creditor has already obtained a county court judgment against you, include the claim number so the court can cross-reference it. Round figures are fine if you do not have an exact balance, but try to be as close as possible.
  3. Identify anyone else liable for the debt. For each entry, think about whether another person shares responsibility for that debt. A joint borrower, guarantor, business partner, or co-signatory all fall into this category. If nobody else is on the hook, write 'none' in that column. Do not leave it blank, because blanks tend to raise questions.
  4. Record any security held. If the creditor holds security in connection with the debt, such as a mortgage over your home or a charge over a vehicle, describe it clearly and give your honest estimate of its current value. You do not need a formal valuation, but a realistic figure based on what the asset might fetch today is what the court is looking for.
  5. Swear the form before an authorised officer. Once every entry is complete and you have checked it through, you need to swear that the contents are true to the best of your knowledge and belief. This is done in front of a court officer authorised to take oaths, or another person the court accepts. Bring identification and do not sign the form until you are in front of that officer.

Common questions

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Common questions

Q Who needs to complete Form N93?
Form N93 is generally required from debtors whose total debts reach a level that brings them within the scope of the Administration of Justice Act 1971, and where the court has asked for a sworn list of creditors as part of proceedings. If you have received court correspondence asking you to file this form, it applies to you. If you are unsure whether it applies, check the notice you received or contact the court office handling your matter.
Q What happens if I leave a creditor off the list?
Because the form is sworn, leaving a creditor off, whether deliberately or by accident, can create real problems. At best, the court may ask you to refile with a corrected version. At worst, an omission could be treated as a false statement made on oath. If you realise after filing that you missed someone, contact the court promptly and ask how to submit an updated list rather than hoping it will go unnoticed.
Q Do I need to include debts to family or friends?
Yes. The form asks for all creditors, not just commercial lenders. If you owe money to a relative, a friend, or anyone else under an arrangement that is treated as a loan or a debt, it should be listed alongside everything else. The court is trying to see the whole picture, so informal debts that you genuinely owe belong on the form even if there is no written agreement.
Q How do I value security I have given?
A realistic, current estimate is what the court wants, not a formal valuation report. For a property, you might look at recent sale prices of similar homes in your area. For a vehicle, online guides give an indicative market value. Be honest: an inflated figure helps no one, and a deliberately low one can look evasive. If in doubt, err on the side of the figure you could defend if asked.
Q Where do I swear the form?
The oath is usually taken before an officer of the court who has been authorised to administer oaths, which can be arranged at the court office. In some circumstances a solicitor or commissioner for oaths may be used. Do not sign the declaration in advance. The signature needs to happen in front of the person taking the oath, so they can witness it and confirm your identity.
Q What happens after I file Form N93?
Once the form reaches the court, a District Judge will consider it alongside the rest of the papers in your matter. If judgments have already been entered against you by any of the listed creditors, you may be asked to provide copies of those claims or orders. The judge may then make directions about how the matter proceeds. The filing itself does not resolve the debts, it sets up the next steps.
Q Can I update the form later if my circumstances change?
If a new debt arises, a creditor is paid off, or figures change materially after filing, you should tell the court. Courts generally expect the information on file to reflect reality. The practical route is to contact the court office and ask what format they want for an update. Do not simply file a fresh N93 without checking, because the original remains on the record.
If you're dealing with this kind of situation, speak to an experienced legal adviser who can walk you through it — from £89.

Sources

This guide is based on primary UK law and official guidance.

Brad Askew, Solicitor (non-practising)

Written & reviewed by

Brad Askew Solicitor (non-practising)

Brad is on the roll of solicitors of England & Wales but does not hold a practising certificate and does not provide legal advice. LegalDocuments.co.uk is not a law firm and does not provide regulated legal advice.

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Legal disclaimer
This article is for general information only. It is a tool to help you find your way — not legal advice, and not a substitute for speaking to a qualified adviser about your situation.