UK Nations
Personal insolvency in Scotland
Personal insolvency in Scotland follows different law from England and Wales. The main options include sequestration, protected trust deeds, the Debt Arrangement Scheme (DAS) and the Minimal Asset Process (MAP), overseen via the Accountant in Bankruptcy (AiB). If you live in Scotland, do not assume IVA or DRO rules apply unchanged.
Legal rules differ across the UK. Confirm advice for the nation where you live.
Reviewed: 1 March 2026 by Editorial Team
Frequently asked questions
- What is Personal insolvency in Scotland?
- Personal insolvency in Scotland follows different law from England and Wales. The main options include sequestration, protected trust deeds, the Debt Arrangement Scheme (DAS) and the Minimal Asset Process (MAP), overseen via the Accountant in Bankruptcy (AiB). If you live in Scotland, do not assume IVA or DRO rules apply unchanged.
- Does England and Wales guidance apply?
- Not automatically. Use nation-specific advice and official sources for Scotland or Northern Ireland.
- Where can I get free advice?
- Start with MoneyHelper and local advice charities, then specialist advisers licensed for your nation.
- Can The Insolvency Directory advise me personally?
- No. We publish general information and directory listings only.
- How do I find a local practitioner?
- Browse our directory by city or use the matching form to request an introduction.
Primary source: The Insolvency Service (GOV.UK)