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Denbighshire in north Wales, with its seaside town of Rhyl, had the highest total insolvency rate in 2014 at 43.3 per 10,000 people.
Across the whole of England and Wales, the highest total insolvency rate was in Torbay (43.0 per 10,000 adults).
I put voluntary in quotes because, in the words of the Luxembourg Prime Minister Juncker, the banks were told by President Sarkozy and Chancellor Merkel that if they didn't agree they would face a "scenario of the total insolvency of Greece", which would bankrupt many banks.
The dirty little secret solution to America's fiscal woes is that even more segments of the population will have to be made angry if we are ever going to get a grip on this slippery slope to total insolvency.
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Louise Brittain, partner in Deloitte's Contentious Insolvency Group, said she also expected the orders to boost the total figure of insolvencies to more than 30,000 again.
Even now as Natasha Sarin and I have demonstrated, bank market equity values are very low by historical standards relative to total assets, so insolvencies cannot be ruled out.
The Insolvency Service said there were a total of 99,196 individual insolvencies in 2014 – the first time the figure has dropped below 100,000 since 2005.
Since then they have doubled again: 2006 saw a record 107,000 insolvencies, 44,000 of which were IVAs, while the first quarter of 2007 revealed 16,842 bankruptcies and 13,233 IVAs - 30,075 insolvencies in total.
Adding to efforts by Deloitte and Hogan Lovells on behalf of English creditors, legal and liquidation costs for other divisions of BCCI took the total bill for lawyers and insolvency professionals to $1bn.
A total of 11,831 of the insolvencies were in the form of debt relief orders (DROs), which were introduced in April last year and allow consumers with debts of less than £15,000 and minimal assets to write off their borrowing without entering into a full-blown bankruptcy, and have proved more popular than expected.
"I fully expect that by the year end, 2009 will have broken all personal insolvency records with the total number of petitions likely to exceed the 130,000 mark," she said.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com