We use cookies to give you the best browsing experience. If you close this message or continue browsing, we will take it that you consent to this and we won't remind you again. You can disable cookies in Privacy Policy.

  • Start Live chat
On this page:

Get started

What is Sequestration?

What happens during Sequestration?

Common questions

Get in touch

Blog articles


Through our experience with Sequestration we know when it's the right solution. Quickly find out if it's right for you with our three simple steps

Answer a few online questions

It's fast and easy

2 min

Get your free Money-Smart report

Makes sense of your money

Find the right solution for you

Help reduce monthly payments

Get started

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.

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

Quickly find out if Sequestration is right for you

Get started

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 is 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 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.

Show the answers

For further information about Sequestration

Our promise to you

You will not be called by a call centre

Our experienced, money advisors will only call at a time convenient for you - and then be your single point of contact

DAC look to help everyone

We have helped over 400,000 people with a range of solutions - it's important we find the right one for you

Get your FREE Money-smart report - make sense of your money

Get started

Find out if Sequestration is the right 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

Book a Call back

You can choose when you want us to call you

Start Live Chat

Type in your question for an instant reply

Read the latest blog articles...

How long does bankruptcy last in Scotland?

Posted by: Emily Bancroft |

September 26 2016

Living on a debt solution

Debts in Scotland – what is diligence?

Posted by: Christine Walsh |

September 17 2016

Tackling your debts

Debt Arrangement Schemes: What is a Money Advisor?

Posted by: Emily Bancroft |

September 02 2016

Tackling your debts

What debt solutions are available in Scotland?

Posted by: Christine Walsh |

August 25 2016

Tackling your debts

Based on Feefo.com reviews - 98% of customers who left a Debt Advisory Centre review recommend us with an average rating of 4.8 out of 5 from 409 reviews left by Debt Advisory Centre customers (as of October, 2016)