Debt solutions
DAS, trust deeds, sequestration, debt management plans and more.
- Are You Eligible For Minimal Asset Process Bankruptcy? All eight conditions in section 2(2) of the Bankruptcy (Scotland) Act 2016 must be met on the day you apply. Debts up to £25,000, assets up to £2,000, and six more. Updated 1 Sept 2026 Read
- Can You Do A Joint Debt Arrangement Scheme With Your Partner? Yes. Regulation 22(1) lets a couple each liable for a debt apply for a joint debt payment programme. When applying together helps, and when separate is safer. Updated 1 Sept 2026 Read
- Can You Get A Mortgage While You Are In A Debt Arrangement Scheme? Not without going through your programme first. Regulation 27(2)(e) makes it a standard condition that you do not take new credit unless a variation approves it. Updated 1 Sept 2026 Read
- Can You Get A Payment Break In A Debt Arrangement Scheme? Yes, two of them. A break of up to six months where your disposable income has halved, and a one month crisis break your own money adviser can approve. Updated 1 Sept 2026 Read
- Can You Include Rent Or Mortgage Arrears In A Debt Arrangement Scheme? Yes, and since 29 October 2018 you can choose. Regulation 20(2AA) lets you leave out arrears on your sole or main residence, while everything else must go in. Updated 1 Sept 2026 Read
- Can You Keep Your Car In MAP Bankruptcy? Often yes. Section 2(3)(b) of the Bankruptcy (Scotland) Act 2016 keeps a vehicle worth £3,000 or less outside the asset test where you reasonably need one. Updated 1 Sept 2026 Read
- Can You Pay Off A Debt Payment Programme Early With A Lump Sum? Yes. Paying the outstanding balance in one go completes the programme in the ordinary way, which is how the Accountant in Bankruptcy describes an early end. Updated 1 Sept 2026 Read
- Do All Your Creditors Have To Agree To A Debt Payment Programme? No. Since 4 November 2019 a programme must be approved where nine tenths in value of creditors consent, and silence for 21 days is counted as consent. Updated 1 Sept 2026 Read
- Do You Have To Live In Scotland To Use The Debt Arrangement Scheme? Yes. Regulation 20(1) requires you to be habitually resident in Scotland. What that means, how you show it, and what happens if you move away mid programme. Updated 1 Sept 2026 Read
- Do You Need A Money Adviser To Apply For A Debt Arrangement Scheme? Yes. Regulation 20(2)(a) of the 2011 Regulations requires a money adviser to apply on your behalf, so there is no self-application route in the scheme. Updated 1 Sept 2026 Read
- Do You Qualify For The Debt Arrangement Scheme In Scotland? You qualify if you are habitually resident in Scotland, owe at least one creditor and have surplus income. There is no minimum debt and no maximum. Updated 1 Sept 2026 Read
- Does A Debt Arrangement Scheme Freeze Interest And Charges? Yes. Interest, fees and penalties on the debts in a programme are frozen from the date your application is recorded on the DAS Register, and go if you complete. Updated 1 Sept 2026 Read
- Does A Debt Arrangement Scheme Stop A Bank Arrestment? Yes. Under regulation 33(1)(a) approval of a Debt Payment Programme recalls any arrestment of your income or property, and frozen bank money is your property. Updated 1 Sept 2026 Read
- Does A Debt Arrangement Scheme Write Off Any Of Your Debt? No, not a penny of the principal. What is written off is the interest, fees and penalties frozen when you apply, which cease to be owed once you complete. Updated 1 Sept 2026 Read
- How Do You Apply For A Debt Payment Programme In Scotland? An approved money adviser applies for you, and there is no fee to you at any point. What to have ready, how creditors respond and what protects you meanwhile. Updated 1 Sept 2026 Read
- How Do You Apply For MAP Bankruptcy In Scotland? You cannot apply yourself. An approved money adviser checks the eight conditions, grants your certificate for sequestration and submits the application to the AiB. Updated 1 Sept 2026 Read
- How Do You Rebuild Your Credit After A Debt Arrangement Scheme? Start with your files from Experian, Equifax and TransUnion. No agency publishes a retention rule for the scheme, so what shows is what each creditor reported. Updated 1 Sept 2026 Read
- How Do You Vary A Debt Payment Programme When Your Income Changes? Your money adviser applies to vary it, normally on the material change ground at regulation 37(1)(d). Creditors then get 21 days to comment on the change. Updated 1 Sept 2026 Read
- How Does Minimal Asset Process Bankruptcy Work In Scotland? A money adviser checks the eight conditions in section 2(2) and applies for you, the Accountant in Bankruptcy acts as trustee, and discharge comes after six months. Updated 1 Sept 2026 Read
- How Does The Debt Arrangement Scheme Work In Scotland? You repay in full through one monthly payment. Once a Debt Payment Programme is approved, interest and charges stop and a running arrestment is recalled. Updated 1 Sept 2026 Read
- How Is Your Debt Arrangement Scheme Payment Calculated? From your surplus income, assessed with the Common Financial Tool. Regulation 24(1A) has required that since 1 April 2015, so the assessment is not a formality. Updated 1 Sept 2026 Read
- How Long Does MAP Bankruptcy Last In Scotland? Six months. Section 140 of the Bankruptcy (Scotland) Act 2016 discharges you six months after the award, with statutory conditions for six months after that. Updated 1 Sept 2026 Read
- How Long Does MAP Bankruptcy Stay On Your Credit File? Six years from the date the bankruptcy begins. mygov.scot, Citizens Advice Scotland and National Debtline all give that figure, and a MAP is a Scottish bankruptcy. Updated 1 Sept 2026 Read
- How Much Does A Debt Arrangement Scheme Cost? Nothing in fees. A payments distributor may make no charge to a debtor, the Administrator fee cannot be passed to you, and since 4 November 2019 nor can advice. Updated 1 Sept 2026 Read