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Bankruptcy

Guide to bankruptcy and how to apply.

  1. Get free debt advice

    The Scottish Government helps to fund organisations to give free debt advice. Check where you can get advice by phone, online or face to face. 

  2. Before you go bankrupt

    How bankruptcy works and can affect you.

  3. How to go bankrupt

    Step-by-step guide for how to go bankrupt in Scotland.

  4. If a creditor wants to make you bankrupt

    What happens if a creditor wants to make you bankrupt. The process is different from applying yourself.

  5. Bankruptcy Restrictions Orders

    You could get a Bankruptcy Restriction Order (BRO) if you break bankruptcy rules or do anything dishonest before or during your bankruptcy.

  6. Cancelling a bankruptcy (recall)

    How to cancel (recall) a bankruptcy. You can only do this if you pay your debts in full or show you should not have been made bankrupt.

  7. Register of Insolvencies (ROI)

    You can check the Register of Insolvencies for those who are bankrupt or have a Trust Deed or a moratorium. It includes both people and businesses.

  8. Appeal an AiB decision

    How to appeal an AiB decision (ask for a 'review').

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