Robbing Peter to pay Paul: Low income and the debt trap

PDF Published: Saturday 02 Jul 2022 (SJSSS062022R8)

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- Conclusions and recommendations
- Part 1: Low income and debt
  - Experts by experience
  - Households' financial resilience
    
    Impact of the rise in energy prices
  - Changing pattern of credit and debt
  - Households in financial crisis
    
    Scottish Welfare Fund
- Part 2: Management and recovery of "public debt"
  - Administrative error
  - Communication
  - Prioritising a person-centred approach
  - Council Tax
    
    Council Tax Reduction
  - Social Security direct deductions
  - Rent arrears
  - School meal debt
- Part 3: Barriers to debt advice
  - Stigma
    
    Information and awareness campaigns
  - Availability and demand
    
    Funding
  - Advice delivery
  - Digital exclusion
    
    Connecting Scotland
- Part 4: Early-intervention and prevention
  - Community link workers
  - Preventative approaches
  - Mental health
    
    Mental health evidence form
    
    Breathing space
- Part 5: Statutory debt solutions and debt enforcement
  - Bankruptcy
    
    Minimum debt threshold
    
    Bankruptcy cycle
  - Debt Arrangement Scheme
  - Debt enforcement
    
    Bank Arrestments
    
    Earnings arrestments
- Annex A - Minutes of Meetings
- Annex B - Written evidence
- Annex C - Focus Groups and Informal meetings
- Conclusions and recommendations
- Part 1: Low income and debt
- Part 2: Management and recovery of "public debt"
- Part 3: Barriers to debt advice
- Part 4: Early-intervention and prevention
- Part 5: Statutory debt solutions and debt enforcement
- Annex A - Minutes of Meetings
- Annex B - Written evidence
- Annex C - Focus Groups and Informal meetings
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