MAP bankruptcy (Minimal Asset Process) - Scotland only

With MAP, you could have:

The Minimal Asset Process (MAP) route into bankruptcy

You may be able to apply for bankruptcy through the MAP scheme. This replaces the previous LILA (Low Income, Low Assets) scheme which was discontinued on 1st April 2015.

No more demands from lenders

Once your bankruptcy has been agreed, you'll have legal protection from lenders who will deal directly with the Trustee dealing with your bankruptcy - they can't take any further action regarding your unsecured debts.

It's normally over after just six months

Some debt solutions can take several years, but if your circumstances don't change, you'll be free of the debts covered by MAP bankruptcy after just six months.

If your circumstances improve whilst you're on a MAP or your MAP fails for any other reason you may be subject to full Sequestration and start to make contributions towards your debt. If your MAP fails your debts will remain outstanding and all interest and charges will be added back on to your debts.

How MAP bankruptcy works

MAP is a form of bankruptcy that is only available to Scottish residents with less than £2,000 of personal assets, who have no spare money to make payments towards unsecured lenders once all essential bills have been paid and have a debt value between £1,500 and £17,000.

Once your bankruptcy has been agreed, you'll be protected against further action from your lenders, your unaffordable unsecured debts will normally be written off after 6 months, and you’ll have to comply with certain restrictions for a further 6 months

Is it right for me?

If you want to go bankrupt MAP could help.

However, you will only be able to go bankrupt if you really can't afford to repay your unsecured debts in full within a reasonable period of time.

You'll only qualify for MAP bankruptcy if you have no spare money to make payments towards unsecured lenders once all your essential bills have been paid or have been on a benefits based income for at least 6 months. You must also have belongings worth less than £2,000 in total and £1,000 individually (except for a car, which can be worth up to £3,000 as long as it's essential) and a debt level between £1,500 and £17,000.

Final points

Although MAP could really help if you qualify, you must remember that bankruptcy will have a significant impact on your credit rating. A record of it will be kept on the Register of Insolvencies and on your credit file for six years after your bankruptcy order is issued which could make borrowing money very difficult.

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About us

We've been helping people get out of debt for almost 20 years. Read more about what we do and the charities we support.

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Fees & key info

Read more about the fees involved with each of the solutions we provide.

Download the Insolvency Service guide to dealing with creditors.

Read here for information about our Complaints Procedure and referring a complaint to the Financial Ombudsman Service.

Subject to eligibility and acceptance. Debt write-off applies to unsecured debts and only on completion of the MAP, alternative solutions may be offered. Fees payable. Your ability to obtain credit will be affected in the short term and may be affected in the medium to long term.
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