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Bankruptcy in Scotland is called sequestration. It’s a formal, legal way to write off debts that you can’t repay within a reasonable period of time.
But it shouldn’t be taken lightly: there can be really serious consequences, now and into the future.
So why would you choose it? It gives you a way ahead if you don’t have enough disposable income to apply for a Trust Deed, which is another form of insolvency. And as it’s a legal court process, your creditors can’t take any further action against you, so you’ll know where you stand.
You could be free of your debts in 12 months with sequestration – but bear in mind that your home
or car or other assets could be sold off to pay
your debts. Even if you don’t have to contribute anything, you will still have to pay the
You can only apply if:
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Click below and we’ll tell you a little bit
more about us. Our story is based around
our experience with problem debt.
Find out why we enjoy what we do here at
BacktoBlack, what makes us tick, and how we
can help you change your life for the better!
Don’t worry, we know how you feel.
All these fancy debt words are hard to keep
track of. So to make things easier for you, we’ve
put together a BacktoBlack Debtionary to help
explain the jargon! That way you’ll be up to speed
in no time at all, and ready for that pub quiz.