Source-led, Scotland-specific information
The first reference points are Accountant in Bankruptcy (AiB), the Scottish Government’s mygov.scot guidance and relevant legislation. Recognised advice organisations can provide additional practical explanations.
Our content is written for people considering or living with a Scottish trust deed. We do not use unrelated location pages, invented case studies or unverified provider rankings to expand the site.
Scottish collection-firm profiles
The Scottish debt-collection directory uses the SMASO member-firm listing as its coverage baseline. Profiles identify firms and help readers check correspondence; inclusion is not a recommendation, affiliation, guarantee of legitimacy of a message or assessment of service quality.
We distinguish a Scottish professional listing from verified descriptions of wider services. We do not equate a Scottish address with collecting only Scottish debts. Where source addresses, website links or office counts conflict, we flag the limitation instead of silently choosing a convenient figure. Limited records are kept as concise identity profiles, not expanded with invented contracts or allegations from reviews.
What the dates mean
A guide’s update date records this content revision and source check. It is not an assurance that the law cannot have changed since then. It is not a claim that an insolvency practitioner has personally reviewed the page.
The site does not claim a named author’s qualification or professional endorsement where none has been established.
Explaining uncertainty
Where outcomes depend on an individual assessment, the guide says so. Examples illustrate arithmetic or questions to ask; they are not promises of approval, debt write-off or a particular contribution.
Protected status, debtor discharge, trustee discharge and credit-file reporting are treated as distinct concepts. Broad shorthand should not replace the full legal position.
Sources and corrections
Each substantive guide includes links to its references. Readers should follow the official source when making a decision and ask a qualified adviser about apparent differences.
The current revision was prepared on 6 September 2026. In particular, the pre-signing consideration period follows AiB’s guidance on calendar days, and creditor objections follow AiB’s number-and-value thresholds.
Public-sector information
Where government material is reused, it is attributed and covered by the source’s stated Open Government Licence. That reuse does not imply government endorsement. Third-party trademarks, identities and images are not presented as our own.
No substitute for advice
This is educational information, not a personal financial or legal recommendation. Use the advice directory to find a service able to assess your circumstances.