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Ais-eòlas
Published by The Scottish Parliamentary Corporate Body
Bankruptcy and Diligence (Scotland) Bill
Author: Abigail Bremner
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Published: Tuesday 29 Aug 2023 (SB23-31)
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Overview
Report
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Overview
Report
Summary
Terminology
The Bill - important dates and documents
Options for people in debt
Bankruptcy
Protected Trust Deeds
Debt Payment Programmes under the Debt Arrangement Scheme
Use of statutory debt solutions over the past 10 years
The Review of Scotland's Statutory Debt Solutions
Diligence Review
Scottish Government consultation
Low income and debt - the work of the Social Justice and Social Security Committee
What the Bill does
Mental health moratorium
The existing "moratorium against diligence"
Breathing Space in England and Wales
The evidence presented to the Social Justice and Social Security Committee
Changes to bankruptcy legislation
Changes to the law on debt enforcement
Changes to arrestment and diligence against earnings
Effects of amendments on arrestment
Effects of amendments on diligence against earnings
Changes to diligence on the dependence
Changes to exceptional attachment
Changes to money attachment
Annexe 1 - Review of Scotland's Statutory Debt Solutions: recommendations from the stage 2 working groups
Working group on moratoriums and the Common Financial Tool
Working group on Protected Trust Deeds
Working group on bankruptcy and cross-cutting issues
Annexe 2 - Diligence Review recommendations
Sources
Image: Figure 1: use of statutory debt solutions between 2013-14 and 2022-23
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Bankruptcy and Diligence (Scotland) Bill [as introduced]. SP Bill 27. (2023). Retrieved from
https://www.parliament.scot/-/media/files/legislation/bills/s6-bills/bankruptcy-and-diligence-scotland-bill/introduced/bill-as-introduced.pdf
[accessed 21 June 2023]
Bankruptcy and Diligence (Scotland) Bill - Explanatory Notes. SP Bill 27-EN. (2023). Retrieved from
https://www.parliament.scot/-/media/files/legislation/bills/s6-bills/bankruptcy-and-diligence-scotland-bill/introduced/explanatory-notes-accessible.pdf
[accessed 21 June 2023]
Bankruptcy and Diligence (Scotland) Bill - Policy Memorandum. SB Bill 27-PM. (2023). Retrieved from
https://www.parliament.scot/-/media/files/legislation/bills/s6-bills/bankruptcy-and-diligence-scotland-bill/introduced/policy-memorandum-accessible.pdf
[accessed 21 June 2023]
Accountant in Bankruptcy. (2023). Scottish Statutory Debt Solutions Statistics - January to Mardh 2023 (2022-23 Q4). Retrieved from
https://aib.gov.uk/scottish-statutory-debt-solutions-statistics-2022-23-q4
[accessed 22 June 2023]
Private correspondence between SPICe and Accountant in Bankruptcy staff via email on 15 August 2023. (2023). (n.p.): (n.p.).
Accountant in Bankruptcy. (2016). Diligence Review Consulation 2016. Retrieved from
https://aib.gov.uk/accountant-bankruptcy-diligence-review-2016-consultation-paper
[accessed 17 July 2023]
Accountant in Bankruptcy. (2016). Diligence Consultation 2016 - the report of the summary of responses and the response from the Accountant in Bankruptcy. Retrieved from
https://aib.gov.uk/sites/default/files/accountant_in_bankrutpcy_aib_-_diligence_review_2016_consultation_response_0.pdf
[accessed 17 July 2023]
Accountant in Bankruptcy. (2021). Diligence Working Group - final report. Retrieved from
https://aib.gov.uk/diligence-working-group-final-report
[accessed 17 July 2023]
Scottish Government. (2022). Scotland's statutory debt solutions and diligence - policy review response: consultation. Retrieved from
https://www.gov.scot/publications/scottish-government-consultation-scotlands-statutory-debt-solutions-diligence-policy-review-response/pages/4/
[accessed 19 July 2023]
Scottish Government. (2023). Statutory debt solutions and diligence - policy review consultation: summary of responses. Retrieved from
https://www.gov.scot/publications/scotlands-statutory-debt-solutions-diligence-policy-review-summary-responses/pages/1/
[accessed 19 July 2023]
Scottish Parliament Social Justice and Social Security Committee. (2022). Robbing Peter to pay Paul: low income and the debt trap. Retrieved from
https://digitalpublications.parliament.scot/Committees/Report/SJSS/2022/7/2/22c9ae33-c802-4690-8d36-73d65b356069#a28aed54-ac8d-4545-acd3-03b46e43dc3b.dita
[accessed 20 July 2023]
Scottish Parliament COVID-19 Recovery Committee. (2022). Official Report Thursday 9 June 2022. Retrieved from
https://www.parliament.scot/chamber-and-committees/official-report/search-what-was-said-in-parliament/CVDR-09-06-2022?meeting=13813&iob=125259
[accessed 20 July 2023]
His Majesty's Treasury. (2023). Debt respite scheme (breathing space) - guidance on mental health crisis breathing space. Retrieved from
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1161571/Guidance_on_mental_health_crisis_breathing_space_judgment_edits_final.pdf
[accessed 20 July 2023]
Scottish Parliament Social Justice and Social Security Committee. (2022). Official Report Thursday 12 May 2022. Retrieved from
https://www.parliament.scot/chamber-and-committees/official-report/search-what-was-said-in-parliament/SJSS-12-05-2022?meeting=13747
[accessed 23 July 2023]
Accountant in Bankruptcy. (2022). Stage 2 Working Group 1 - Moratorium and Common Financial Tool - Recommendations. Retrieved from
https://aib.gov.uk/stage-2-working-groups-group-1-report
[accessed 23 July 2023]
Accountant in Bankruptcy. (2019). Debt Advice and Information Package. Retrieved from
https://aib.gov.uk/sites/default/files/debt_advice_and_information_package_0.pdf
[accessed 27 2023]
Scottish Parliament Economy, Energy and Fair Work Committee. (2020). Protected Trust Deeds. Retrieved from
https://digitalpublications.parliament.scot/Committees/Report/EEFW/2020/5/21/Protected-Trust-Deeds
[accessed 28 June 2023]
Last Updated: 4/10 5:57pm
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