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What is Sequestration?

What happens during Sequestration?

Common questions

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Sequestration maybe suitable if you live in Scotland and your debts are so unmanageable you'd never realistically be able to pay them off.

A Scottish solution

Sequestration is the Scottish equivalent of Bankruptcy and is only available if you currently live in Scotland, or have lived in Scotland within the last year.

Conditions for Sequestration

You must owe more than £3,000 and cannot have been made bankrupt in the last 5 years.

Sequestration fees

The Accountant in Bankruptcy (AiB) charge an admin fee of £200. There are no exemptions or reductions so the full amount needs to be paid.

Payments under Sequestration

You will only have to make payments towards your unsecured debts if you can afford to do so. When you're discharged (usually 12 months), your outstanding debt will be written off so you can make a fresh start.

If you can afford it, You may also have to make affordable payments towards your debt for an additional 36 months.

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Sequestration is 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 out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.

You'll receive no further contact from your creditors

What will happen during Sequestration...


Speak to one of our Money Advisors about your personal circumstances. We'll be able to advise if Sequestration is the most suitable solution for you.


If Sequestration is the right solution for you, a trustee is appointed to administer the process.

The trustee will look at your circumstances to decide what, if anything, you can afford to pay towards your debt.


The AiB will review your application and decide whether to accept it. Once accepted, your lenders will be made aware and they then can't contact you for payments throughout the term of your Sequestration.


Once you are discharged from sequestration (usually 1 year), your outstanding unsecured debt which has been included in your sequestration will be written off.

Sequestration can have serious implications for your future and shouldn't be undertaken lightly

Answers to common Sequestration questions

Will it affect my credit history?

It will have a serious effect on your credit rating for up to 6 years and will appear in the publicly available Register of Insolvencies.

You will not be able to obtain more than £2,000 in credit at any time, or obtain credit of any amount where you already have credit of £1,000, unless you declare to the lender that you are bankrupt.

Will my home be at risk?

If you're a homeowner, you will be expected to release any equity in your property to help repay your debts.

Will it affect my job?

It could also have an impact on certain types of jobs, for example, if you're a company director.

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Find out if Sequestration is a suitable solution

Talk with your personal Money Advisor today

If you are interested or would like more information on Sequestration, 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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