The increase in people working as self employed in the gig economy where income is more uncertain and the increase in the level of household debt has led to individuals being unable to pay their creditors in full and on time. This makes them vulnerable to a bankruptcy order under which their assets can be sold to pay the debt. 

(a) Discuss the disadvantages of becoming bankrupt. 

See https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/bankruptcy-2/bankruptcy-explained/bankruptcy-overview/ 

(b) Discuss what other measures are available to a debtor to avoid a bankruptcy order. 

See https://www.theguardian.com/money/2017/oct/27/rise-in-personal-debt-agreements-add-to-concerns-about-uk-debt