According to the legal provisions, all legal documents must be served personally to the debtor. For that purpose, creditor will refer to the debtor’s address that they have in their record. This depends on the debtor to constantly update their latest details including their address. In the situation where the creditor fail to serve any legal documents personally, the court can order for a substituted service.
In short, an individual may be declared bankrupt without his knowledge. This is due to the legal documents sent to an old address, the individual did not attend court on the day case was mentioned, the individual refused to accept or open any legal documents served to their address or the individual did not read the local newspaper if the service is made through substituted service.