Knowledge Hub
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- Stopping a wage arrestment Where Do You Go For Help To Stop A Wage Arrestment? A free money adviser is the only route to the statutory solutions. See who does what, which Scottish organisations help free, and what to have ready. Updated 30 Aug 2026 Read
- Debt solutions Which Bills Are Priority Debts In Scotland? A priority debt is one the creditor can enforce with fewer steps. The power behind the bill decides it, not the size of the balance. See the full order. Updated 30 Aug 2026 Read
- Earnings arrestments Which Creditors Can Apply For A Wage Arrestment In Scotland? Councils, lenders, landlords and the DWP all reach wages by different routes. See which creditors can arrest your pay in Scotland and what each needs first. Updated 30 Aug 2026 Read
- Stopping a wage arrestment Which Debt Solution Is Best If You Have A Wage Arrestment? There is no single best route. Debt thresholds, asset tests and trigger dates decide it, and an approved money adviser should confirm before you commit. Updated 30 Aug 2026 Read
- Debt solutions Which Debts Cannot Be Included In A Trust Deed? Current council tax, rent, mortgage, utilities and child maintenance cannot go in at all. Court fines and student loans go in but survive your discharge. Updated 30 Aug 2026 Read
- Council tax Which People Are Disregarded For Council Tax Purposes? A disregarded adult is not counted when the council counts the adults in a home. Schedule 1 to the 1992 Act sets the groups and the conditions for each one. Updated 30 Aug 2026 Read
- Sheriff officers Which Sheriff Officers Do Scottish Councils Use? Seven of the 32 councils can be evidenced from public sources, and between them they use Scott and Co, Walker Love, Stirling Park, Fraser Irvine and Malcolm J Boyd. Updated 30 Aug 2026 Read
- Earnings arrestments Which Type Of Arrestment Takes Priority If You Have Several? Priority orders come first: a child maintenance deduction from earnings order, a conjoined arrestment order and an earnings arrestment, then a DWP attachment. Updated 30 Aug 2026 Read
- Sheriff officers Why Are Stirling Park Contacting You? The balance is larger than the bill you missed because a 10% statutory surcharge is added when the summary warrant is granted, with court-set fees on top. Updated 30 Aug 2026 Read
- Council tax Why Do Council Tax Recovery Rules Differ Between Scottish Councils? It does not. The law is identical in all 32 Scottish council areas. What varies is the pace of each stage, the sheriff officer firm used, and what is accepted. Updated 30 Aug 2026 Read
- Council tax Why Do You Lose The Right To Pay Council Tax In Instalments? Paying by instalments is conditional on paying on time. Miss the window on a final notice and the right goes, with the whole year's balance falling due at once. Updated 30 Aug 2026 Read
- Council tax Why Has Your Council Tax Gone Up? Either your council set a higher amount for the year, or something changed on your own account. Water and sewerage is a third answer, and Scottish Water sets that part. Updated 30 Aug 2026 Read
- Earnings arrestments Why Have I Been Given A Wage Arrestment? A wage arrestment means a creditor already holds a decree or a summary warrant. Find out which debt is behind it and what you can do about it now. Updated 30 Aug 2026 Read
- Earnings arrestments Why Is Your Wage Arrestment Taking More Than You Expected? The sum is worked out from scratch each pay period, and the balance is bigger than the bill you remember. Neither is an error. Here is what to check. Updated 30 Aug 2026 Read
- Earnings arrestments Will A Wage Arrestment Affect Renting A Property? Not through a credit check, because no register or credit reference agency holds one. A Scottish letting agent needs your written permission and cannot charge for it. Updated 30 Aug 2026 Read
- Stopping a wage arrestment Will Paying A Lump Sum End A Wage Arrestment Early? Yes, if it clears the whole balance. Section 47(2) keeps an arrestment in effect until the debt recoverable under it is paid, expenses and surcharge included. Updated 30 Aug 2026 Read
- Debt solutions 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
- Debt solutions 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
- Earnings arrestments Will Your Colleagues Find Out About Your Wage Arrestment? The schedule goes to payroll, not to your team, and the deduction shows only on your own payslip. See who at work actually sees a wage arrestment. Updated 30 Aug 2026 Read
- Debt solutions 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
- Council tax Are Tenants Or Landlords Liable For Council Tax In Scotland? A resident tenant sits above a non-resident owner, so the tenant pays. The landlord becomes liable when nobody lives there, and the owner pays in an HMO. Updated 29 Aug 2026 Read
- Council tax Are You Jointly Liable For Council Tax With Your Partner? Yes, if you live together as spouses, civil partners or cohabitees. Liability is joint and several, so the council can pursue either of you for the whole balance. Updated 29 Aug 2026 Read
- Council tax Can A Council Add Charges To Your Council Tax Arrears? Yes. A 10% statutory addition goes on when the summary warrant is granted, and sheriff officer fees set by an Act of Sederunt follow once enforcement starts. Updated 29 Aug 2026 Read
- Sheriff officers Can Sheriff Officers Force Entry Into Your Home? Almost never. There is no forced entry for ordinary council tax arrears, and the one route indoors is an exceptional attachment order granted by a sheriff. Updated 29 Aug 2026 Read