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Debt and the Law

Sheriff Officers

Sheriff Officers and Messenger at arms are Scotland's Court Officers who enforce the recovery of debts.

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Council Tax Debt

Council Tax debt is one of the easiest to acquire, but is a priority debt, meaning it cannot be ignored.

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Charge for Payment
Charge for Payments are legal documents served by Sheriff Officers to demand payemnt of debts.

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Wage Arrestment

Earning arrestments  are used in Scotland by creditors to attach the wages of borrowers.

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Bank Arrestment

Bank  arrestments  are used in Scotland by creditors to arrest the wage of borrowers.

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Statute Barred Debts

Can debts die with old-age? In certain conditions certain types of debts can be statute barred.

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Benefit Over-Payments

Can the DWP still recover benefit overpayments once you are in a formal debt solution?

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Debt Processes and Solutions

The Debt Advice Process
What  is the Money Advice Process that money advice agencies use to help their clients with debts.

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Informal Debt Solutions
Informal debts solutions don't involve the courts, but do require a debtor's creditors to agree.

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Formal Debt Solutions
Scotland has a number of formal debt solutions, which are not wholly dependent on creditor agreement.

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