Knowledge Hub
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- Debt solutions How Much Debt Can You Write Off With A Trust Deed? There is no set share, and nobody can honestly quote one at the outset. What goes is whatever is unpaid at discharge, after what you can afford has been paid. Updated 30 Aug 2026 Read
- Debt solutions How Much Debt Do You Need For A Trust Deed In Scotland? At least £5,000. Section 164(3) of the Bankruptcy (Scotland) Act 2016 requires your debts, with interest, to total no less than that on the day you grant the deed. Updated 30 Aug 2026 Read
- Debt solutions How Much Does A Trust Deed Cost In Scotland? There is no statutory tariff. Your trustee sets a fixed fee and a percentage, writes both on Form 3, and takes them out of the payments you already make. Updated 30 Aug 2026 Read
- Earnings arrestments How Much Does A Wage Arrestment Cost You In Total? The debt, a 10% addition where a summary warrant was granted, sheriff officer expenses and £1.00 to your employer per deduction. Only three of the four reduce as you pay. Updated 30 Aug 2026 Read
- Council tax How Much Is The 10% Summary Warrant Penalty? The 10% is a statutory surcharge on the balance outstanding the day the warrant is granted. On £900.00 that is £90.00, taking what you owe to £990.00. Updated 30 Aug 2026 Read
- Council tax How Quickly Can A Council Take Action Over Council Tax Arrears? A missed instalment can reach a summary warrant in about two to three months, because reminders and final notices usually allow only seven days each. Updated 30 Aug 2026 Read
- Stopping a wage arrestment How Quickly Can A Wage Arrestment Be Stopped? Sequestration bites on the date of sequestration, a trust deed on the date of protection, a Time to Pay Order the day the sheriff grants it. Then payroll acts. Updated 30 Aug 2026 Read
- Earnings arrestments Is A Wage Arrestment Taken Before Or After Tax? After tax. Section 73(1) of the Debtors (Scotland) Act 1987 applies the tables to net earnings, your pay after four named deductions and nothing else. Updated 30 Aug 2026 Read
- Earnings arrestments Is A Wage Arrestment The Same As An Attachment Of Earnings In England? No. Scotland uses an earnings arrestment under the Debtors (Scotland) Act 1987, with the amount read off Schedule 2. Attachment of earnings is an English order. Updated 30 Aug 2026 Read
- Stopping a wage arrestment Is There A Time Limit For Challenging A Wage Arrestment? No. Section 50 of the 1987 Act carries no deadline, so you can apply to the sheriff at any point while the arrestment runs. The four weeks belongs to bank arrestments. Updated 30 Aug 2026 Read
- Earnings arrestments Is Your Wage Arrestment Deduction Recalculated If Your Hours Drop? Yes, and there is nothing to apply for. Section 47(1) makes your employer work the deduction out from your net earnings on every pay day, so less pay means less taken. Updated 30 Aug 2026 Read
- Debt solutions Should You Use A Free Debt Charity Or A Paid Debt Adviser? Nobody in Scotland has to pay for debt advice, and on the statutory schemes a money adviser cannot charge you at all. Paying is a choice about service, not a rule. Updated 30 Aug 2026 Read
- Earnings arrestments What Are An Employer’s Legal Duties For A Wage Arrestment? Section 47(1) of the Debtors (Scotland) Act 1987 makes an employer deduct from net earnings every pay day and pay each sum over to the creditor. The duties in full. Updated 30 Aug 2026 Read
- Earnings arrestments What Are The Protected Earnings Limits For A Wage Arrestment? The protected figures are £750.00 a month, £172.61 a week and £24.66 a day of net pay. See what counts as net earnings and when a deduction is nil. Updated 30 Aug 2026 Read
- Earnings arrestments What Are The Seven Types Of Wage Arrestment In Scotland? Scotland has seven forms of wage deduction, but only three are diligence. Compare them side by side and work out which one is coming off your pay. Updated 30 Aug 2026 Read
- Debt solutions What Benefits Should You Check If You Are Struggling With Council Tax? Council Tax Reduction can cover up to 100% of the bill. Then work down through discounts, disregards, the severe mental impairment and disabled band reductions. Updated 30 Aug 2026 Read
- Sheriff officers What Body Regulates Sheriff Officers In Scotland? The court does. The Court of Session makes the rules by Act of Sederunt and each sheriff principal grants the commission, under Part V of the 1987 Act. Updated 30 Aug 2026 Read
- Earnings arrestments What Counts As Net Earnings For A Wage Arrestment? Four deductions and no others: income tax, National Insurance, pension contributions and a priority child maintenance order. Section 73(1) closes the list. Updated 30 Aug 2026 Read
- Earnings arrestments What Debts Can Lead To A Wage Arrestment In Scotland? Council tax, credit agreements, rent arrears and benefit overpayments can all reach your wages in Scotland. See which route each debt takes and how fast. Updated 30 Aug 2026 Read
- Debt solutions What Did The Bankruptcy And Diligence (Scotland) Act 2024 Change? Less than most pages suggest, and nothing so far for wage arrestment. Twelve of its twenty-three sections were commenced, and eight have never been switched on. Updated 30 Aug 2026 Read
- Earnings arrestments What Documents Should You Receive Before A Wage Arrestment? A bill, reminder and final notice on the council tax route, a decree and charge for payment on the other, and a debt advice and information package on both. Updated 30 Aug 2026 Read
- Sheriff officers What Happens After The 14 Days On A Charge For Payment Expire? Once the 14 days run out the creditor can arrest your wages or bank account, or attach goods outside your home. The charge stays usable for two years. Updated 30 Aug 2026 Read
- Debt solutions What Happens Between Signing A Trust Deed And It Becoming Protected? Signing does not protect you. Under section 163(2) a deed has protected status only from the date the Accountant in Bankruptcy registers it. What fills the gap. Updated 30 Aug 2026 Read
- Council tax What Happens If You Do Not Pay Your Council Tax In Scotland? No prison, no credit file entry, but a fixed sequence of notices, a summary warrant that adds 10%, then sheriff officers. See the full recovery process. Updated 30 Aug 2026 Read