Debt solutions
DAS, trust deeds, sequestration, debt management plans and more.
- Will You Lose Your Car In A Trust Deed? Usually not, but the £3,000 figure quoted everywhere is not the exemption. The statutory vehicle figure in a trust deed is £1,000. Where the £3,000 belongs. Updated 30 Aug 2026 Read
- Will You Lose Your Home In A Trust Deed? Not necessarily, but the protection comes from what you negotiate before you sign, not from statute. The family home safeguards in bankruptcy do not apply here. Updated 30 Aug 2026 Read
- Will Your Trust Deed Appear On The Register Of Insolvencies? Yes, and registration is what makes the deed protected. Section 200(2)(c) of the Bankruptcy (Scotland) Act 2016 requires the particulars to go on the register. Updated 30 Aug 2026 Read
- How Do You Apply For A Statutory Moratorium In Scotland? You apply through the Accountant in Bankruptcy, by a notice entered in the Register of Insolvencies. Protection runs six months, one per rolling 12 months. Updated 29 Aug 2026 Read
- What Free Debt Advice Is Available In Scotland? Citizens Advice Scotland, StepChange, Money Advice Scotland, National Debtline and your own council all advise free. See who does what and who is approved. Updated 29 Aug 2026 Read
- What Is A Debtor Contribution Order In Scottish Bankruptcy? The payment you make into your own sequestration, set under section 90 of the Bankruptcy (Scotland) Act 2016 from what is left after reasonable living costs. Updated 29 Aug 2026 Read
- What Is A Protected Trust Deed? A protected trust deed is a formal Scottish insolvency arrangement. You pay a contribution from surplus income for 48 months, then your trustee applies to discharge you. Updated 29 Aug 2026 Read