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- Debt solutions What Happens If You Get A Pay Rise During A Trust Deed? You have to tell your trustee, who may then ask for more. It is not automatic: the contribution is your whole surplus under section 168(5), not a share of your pay. Updated 30 Aug 2026 Read
- Debt solutions What Happens If You Miss A Payment On Your Trust Deed? One missed contribution does not end a protected trust deed. The trigger is two consecutive missed payments, and section 174 starts with your own trustee. Updated 30 Aug 2026 Read
- Debt solutions What Happens If You Move House Or Change Jobs During A Trust Deed? Nothing automatic. You do have to tell your trustee, because your discharge at the end rests on the trustee being able to say you co-operated throughout. Updated 30 Aug 2026 Read
- Earnings arrestments What Happens If Your Employer Deducts The Wrong Amount? Take it back to payroll in writing with the arithmetic. Where too much has gone over, section 57(5) makes the excess recoverable from the creditor, not your employer. Updated 30 Aug 2026 Read
- Debt solutions What Happens If Your Trust Deed Fails? A trust deed does not simply stop. What ends is your protection, and that happens in three quite different ways, each with a different consequence for you. Updated 30 Aug 2026 Read
- Earnings arrestments What Happens To A Wage Arrestment If You Are Paid Fortnightly? There is no fortnightly table. Section 49 has your employer halve the fortnight's net pay, read the weekly table, then double the answer. A worked example. Updated 30 Aug 2026 Read
- Earnings arrestments What Happens To A Wage Arrestment If You Earn Below The Threshold? Nothing comes off for that period, and the arrestment does not end. It stays in force and deducts again in the first period your net pay rises above the line. Updated 30 Aug 2026 Read
- Earnings arrestments What Happens To A Wage Arrestment If You Go On Unpaid Leave? Nothing comes off in a pay period where you are not paid, because there are no earnings for the tables to work on. The arrestment itself stays in force. Updated 30 Aug 2026 Read
- Earnings arrestments What Happens To A Wage Arrestment If You Leave Your Job? It ends. Section 47(2) of the 1987 Act keeps an arrestment in force only while that employment lasts. The debt stays, and a fresh schedule can follow you. Updated 30 Aug 2026 Read
- Council tax What Happens To Council Tax Arrears When You Move Council Areas? They stay with the council that billed you. Liability is fixed day by day against a person, so moving ends new charges and leaves the old balance untouched. Updated 30 Aug 2026 Read
- Stopping a wage arrestment What Happens To Money Already Taken When A Wage Arrestment Stops? For sequestration and a protected trust deed it is credited against the debt rather than refunded. See where the money went and how to check the balance is right. Updated 30 Aug 2026 Read
- Debt solutions What Happens To The Equity In Your Home In A Trust Deed? Your equity is valued on the day you grant the deed, by a chartered surveyor, under section 175(3). A rise in value after that is yours if you keep to the terms. Updated 30 Aug 2026 Read
- Debt solutions What Happens To Your Pension In A Trust Deed? A pension you have not started drawing is normally outside the deed, because rights under an approved pension arrangement are excluded from a Scottish bankruptcy. Updated 30 Aug 2026 Read
- Debt solutions What Help Is Available With Energy Bills In Scotland? Home Energy Scotland on 0808 808 2282, the £150 Warm Home Discount, winter heating payments and a Crisis Grant. You apply to each route on its own. Updated 30 Aug 2026 Read
- Earnings arrestments What Is A Bank Arrestment In Scotland? A bank arrestment freezes the balance above a protected £1,000 minimum. See how it is served, what happens in the weeks after, and how to get money released. Updated 30 Aug 2026 Read
- Earnings arrestments What Is A Conjoined Arrestment Order? A conjoined arrestment order lets two or more creditors share one deduction rather than take one each. See how much is taken and how it is split. Updated 30 Aug 2026 Read
- Debt solutions What Is A Crisis Grant And How Do You Apply? Emergency help from the Scottish Welfare Fund for anyone 16 or over on a low income. You apply to your own council, and a decision is due by the next working day. Updated 30 Aug 2026 Read
- Earnings arrestments What Is A Current Maintenance Arrestment? A Scottish diligence that takes ongoing maintenance straight from your pay under sections 51 to 53 of the 1987 Act, leaving the first £24.66 a day untouched. Updated 30 Aug 2026 Read
- Earnings arrestments What Is A Deduction From Earnings Order For Child Maintenance? The Child Maintenance Service can instruct your employer under the Child Support Act 1991 with no court order. See how much it takes and where it ranks on payroll. Updated 30 Aug 2026 Read
- Earnings arrestments What Is A Direct Earnings Attachment And How Is It Different? A DEA lets the DWP instruct your employer directly, with no court order and no charge for payment. See how it differs from a Scottish earnings arrestment. Updated 30 Aug 2026 Read
- Debt solutions What Is A Time To Pay Order? A sheriff court order letting you pay a decree by instalments. Where one is made, section 9(2)(a) of the 1987 Act says the sheriff shall recall an arrestment. Updated 30 Aug 2026 Read
- Earnings arrestments What Is A Wage Arrestment In Scotland? A wage arrestment makes your employer pay part of your wages to a creditor. Learn how it starts, how much is taken and how it can be stopped. Updated 30 Aug 2026 Read
- Sheriff officers What Is An Attachment Order And How Does It Work? There is no such order in Scotland. Attachment is a diligence over goods, carried out on a warrant with no application to any court, and only outside a dwellinghouse. Updated 30 Aug 2026 Read
- Earnings arrestments What Is An Earnings Arrestment Schedule? The schedule is served on your employer, not on you. Section 47(1) of the 1987 Act makes payroll deduct from your net earnings on every pay day. Updated 30 Aug 2026 Read