Does Scotland need Sheriff Officers? They have become overly dependant on Council Tax arrears for work and the time for reform has come and gone.
In Scotland, there are more than just one type deduction that can be made from your wages for debts. In fact, there are seven different types of earnings arrestments. They all are different and involve different procedures. The types of debt they are used for and the agencies that can carry them out are also […]
Do you need to tell Sheriff Officers where you work if you owe Council Tax Arrears?
An Inhibition in Scotland is a form of diligence, which means a formal, legal debt recovery tool. It allows a creditor to stop you from selling your home, or re-mortgaging it, without paying them. It does not give them the right to sell your home. It is a preventative diligence, in that it prevents you […]
Exceptional Attachment Orders are a type of court order that Sheriff Officers need before they can enter your home and seize your possessions to pay your debts. They are different from Attachment Orders in that Attachment Orders only allow a Sheriff Officer to take items, such as cars, that are kept outside your home. Although, […]
If you are worried that you may be at risk of Sheriff Officers taking action against you, a Statutory Moratorium is a legal device that you can use to protect yourself. Statutory Moratoriums also protect you from Creditors making an application for you to be made bankrupt. Previously, Statutory Moratoriums only gave you six weeks […]
How do you stop a Bank Account Arrestment in Scotland? In 2018-19 they were one of the most common types of Diligence executed in Scotland by Sheriff Officers. There were over 170,000 Bank Account Arrestments in that year, the majority for Council Tax Arrears. Bank Accounts Arrestments can be stopped legally by being recalled or […]
Time to Pay Directions and Time to Pay Orders are court orders that debtors can apply for when their creditors take them to court for not paying a debt; or in the case of a Time to Pay Order, after a court order has been granted. Time to Pays should not be confused with Time […]
What is Summary Diligence? It is a process that can only be used to enforce certain types of debts. It cannot be used to enforce debts like credit cards, bank loans or hire-purchase agreements, as these are regulated by the Consumer Credit Act 1974 (see s93A). It is the process that allows creditors to use […]
This article explains what an attachment order is, in particular: who can execute it and when; what is the procedure for executing an attachment; what property can be attached; what effects an attachment order has; and what you can do to protect your property What is an Attachment Order? An attachment order is an order […]