Personal Debt

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...

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.

What happens if I can’t afford divorce legal fees?

The emotional strain of divorce can be overwhelming, and further exacerbated by uncertainty over money. Divorce is typically an expensive process, so what happens if you can’t afford to pay your div...

What happens with debt over six years old in Scotland?

Are personal debts in Scotland written off after six years? What is statute-barred debt? When is Scottish debt unenforceable? Find out more in this article.

Important advice on going bankrupt or declaring yourself bankrupt in Scotland

If you live in Scotland and are considering personal bankruptcy (sequestration), there are certain issues that you need to be aware of. These include an understanding of what will happen to your asset...

How can I tell my partner I’m in debt?

Being in debt can be a huge burden that affects every part of your life, but one of the most difficult aspects is when you’re in a relationship, as it can be very difficult to tell your partner abou...

Debts in Scotland – What is a decree?

A decree is a ‘money judgment’ issued by the sheriff courts in Scotland, and is the same as a County Court Judgment (CCJ) in England and Wales.