As the Cost of Living Crisis deepens across Scotland, we look at what the Scottish Government and Parliament could do to help improve the law in Scotland in relation to debt for cosumers.

• Our proposals contain suggestions on:
• The Debt Arrangement Scheme
• Time to Pays
• Illegal Debt Recovery Activity
• Statutory Moratoriums
• Calculation of Debtor Contributions in Personal Insolvency
• Bankruptcy
• Earning Arrestments
• Bank Account Arrestments
• Summary Diligence
• Council Tax Liability
• School Meal Debt
• Private Parking Notices