Personal Debt

Debt and divorce – Understanding liability and what happens to marital assets

Just as marital assets are divided during divorce proceedings, responsibility for debt incurred during the marriage will also need to be split.

Am I liable for my partner’s debt?

Liability for a partner’s debt depends on whether the borrowing is in joint names or your partner’s sole name. In essence, if the debt is in their sole name you cannot be held liable unless you ha...

What is a Minimal Asset Process (MAP)? Formerly LILA

MAP allows a path into sequestration, the term used in Scotland for bankruptcy, for people on low incomes and with few assets who may not otherwise be eligible for a formal debt relief solution.

What is a decree or CCJ and how could it affect me?

In Scotland, County Court Judgments (CCJs) are referred to as a decree.

How can I apply for bankruptcy in Scotland?

If you’re in serious debt with no hope of repaying your unsecured creditors, you don’t have to wait for a creditor to take legal action against you. You may be able to take matters into your own h...

What items can sheriff officers take from my home or business?

Sheriff officers have certain powers of enforcement when collecting debt. If your creditor has made several unsuccessful attempts to recoup their money, they may seek the services of a sheriff officer...

Dealing with rent arrears – Advice for Scottish residents

Keeping up with rent payments isn’t easy for a lot of Scottish residents but if you’ve found yourself unable to pay your landlord for any reason then you should look to take action sooner rather t...

Can I write off my debts as a Scottish resident?

If you cannot pay your debts in full over an extended period of time, you may be able to legally write off some or all of them using the options below.

What are the Seven Types of Wage Arrestments in Scotland?

An overview of the seven types of wage arrestments, also known as earning arrestments, in Scotland, where a creditor can take earnings from your wages.

How much can be taken from my wages via a Wage Arrestment Order?

How much creditors can recover from your wages through a Wage, or Earnings Arrestment Order, will depend on your earnings and payment frequency.

Can a Wage Arrestment be stopped or challenged?

How to stop or challenge a creditor from recovering money from your earnings through a Wage Arrestment or Earnings Arrestment order.

Should I pay off my debts or save – or both?

If you have money left over at the end of the month, you may be wondering how best to use it. Should you pay off your debts, or is saving a better option? You might even be considering both.

Personal Debt

Debt and divorce – Understanding liability and what happens to marital assets

Am I liable for my partner’s debt?

What is a Minimal Asset Process (MAP)? Formerly LILA

What is a decree or CCJ and how could it affect me?

How can I apply for bankruptcy in Scotland?

What items can sheriff officers take from my home or business?

Dealing with rent arrears – Advice for Scottish residents

Can I write off my debts as a Scottish resident?

What are the Seven Types of Wage Arrestments in Scotland?

How much can be taken from my wages via a Wage Arrestment Order?

Can a Wage Arrestment be stopped or challenged?

Should I pay off my debts or save – or both?

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