What is Minimal Asset Process?

This solution would allow you to write off your unsecured debts within 12 months, but it’s intended for people with no disposable income after meeting essential living costs.

Scottish Debt Help is happy to answer your questions on the Minimal Asset Process (MAP) and look at alternatives that can help to avoid it. It’s important to consider the following points when thinking about whether Minimal Asset Process is the right choice.

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What do I need to be able to apply?

  • You cannot be a homeowner.
  • You need to live in Scotland.
  • Your debts must not exceed £17,000 in total.
  • Your car needs to be worth less than £3,000.
  • Any other assets must equate to less than £2,000 and one single asset must not be worth more than £1,000.
  • There must be no disposable income.

What is the process of a MAP Bankruptcy?

There’s an application cost of £50, you’ll also need to get advice from an approved money advisor. This isn’t a solution that we offer or are able to assist with, however, if it looks like you’re suitable, we’ll refer you to someone who can.



  • It can affect your career, dependant upon your job.
  • It will affect your credit rating.
  • There is a chance your bank account may be frozen and it is likely you will only be able to operate a basic bank account.


What debts can be included?

The majority of debts can be included however if you have any criminal/court fines, CSA arrears or Student loans, you will need to maintain these as normal.

Can I keep my car?

Your car will be safe but you can not look at this option if it is valued at more than £3000.