What is Minimal Asset Process?

This solution would allow you to write off your unsecured debts within a short period of time, 6 months as opposed to 12 month in sequestration however, it is only for people with no disposable income after essential living costs are met.

Scottish Debt Help are happy to answer your questions on the above and look at alternatives to avoid.  Important considerations that are important to know are below.

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What do I need to be able to apply?

  • You cannot be a homeowner.
  • You need to live in Scotland.
  • Your debts must not exceed £17000 in total.
  • Your car needs to be worth less than £3000
  • Any other assets must equate to less than £2000 and one single asset must not be worth more than £1000
  • There must be no disposable income

What is the process of a MAP Bankruptcy?

There is an application cost of £90, you will also need to get advice from an approved money advisor. This is not a solution we offer or can assist with however if it looks like you meet the criteria, we will refer you accordingly to someone who can.



  • It can affect your career, dependant upon your job.
  • It will affect your credit rating.
  • There is a chance your bank account may be frozen and it is likely you will only be able to operate a basic bank account.


What debts can be included?

The majority of debts can be included however if you have any criminal/court fines, CSA arrears or Student loans, you will need to maintain these as normal.

Can I keep my car?

Your car will be safe but you can not look at this option if it is valued at more than £3000.

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