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Minimal Asset Process (MAP)

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If you live in Scotland, have few assets and no disposable income to pay towards your unsecured debts, a MAP could help write it off after 6 months.

A Scottish solution

Minimal Asset Process (MAP) is only available if you live in Scotland.

Why a MAP might be right for you

You have debts of at least £1,500, but no more than £17,000.

Conditions of a MAP

You can't have assets worth more than £2,000 in total – with no single asset over £1,000 but may own a car worth up to £3,000 if it is for essential purposes.

You must not be a homeowner, or own land and have no money left over to pay your unsecured debts.

MAP lasts for only 6 months

Payments on your unsecured debts will be suspended, and after 6 months, if you've adhered to the requirements, they'll be written off.

A cost effective solution

A MAP costs £90 compared to £200 with Bankruptcy, or Sequestration as it's sometimes called in Scotland.

Will it affect my credit history?

MAP is a form of bankruptcy – so your credit rating will be affected for six years.

MAP is for people with low assets and no money to pay towards their debts so it costs less

Answer a few questions online, find out if MAP is right for you

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MAPs are available subject to eligibility and acceptance, alternative solutions may be offered. Fees payable if continuing services are provided. Our fees are explained here.

To find other sources of free advice visit Money Helper. It’s here to listen and give free, impartial, trusted guidance. Based around you and backed by government.

MAP can only be arranged by approved Money Advisors, so talk to us for expert advice

Answers to common MAP questions

What if my circumstances improve during a MAP?

If your circumstances improve before you're automatically discharged, you may be subject to the full sequestration process and required to make a monthly payment towards your debts.

Which debts are not included in MAP?

Any court fines, student loans or child maintenance arrears. You will need to keep paying these during a MAP.

Are my creditors still allowed to contact me?

Creditors are not allowed to contact you once your MAP has been approved.

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Find out if MAP is a suitable solution

Talk with your personal Money Advisor today

If you are interested or would like more information on MAP, talk through your options with one of our experienced Money Advisors

0161 413 9583

We will offer advice, support and a solution

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