Minimal Asset Process (MAP)

If you have a debt problem, one of your options for sorting it out might be a Minimal Asset Process (MAP). A Minimal Asset Process bankruptcy is a formal insolvency solution designed for those with problem debt who have few or no assets and a low disposable income. Minimal Asset Process is a solution only available in Scotland.

Remember, a Minimal Asset Process might not be your only option and it might not be the most appropriate debt solution for your needs. Our trained advisors can assess your financial situation and help you find the most suitable option for you.

Listed below are some of the Main Advantages & Disadvantages of a Minimal Asset Process

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  • Creditors cannot legally chase you for payments

  • The process usually lasts for 6 months

  • Most unsecured debts can be included

  • The setup fee is relatively low at £90

  • Your included debts will be written off upon completion


  • MAP will adversely affect your credit rating and may affect your ability to obtain credit.

  • MAP will be recorded on the insolvency register, which can be searched by the public

  • Being in MAP bankruptcy can impact on certain jobs. If you are unsure check your contract

  • It’s likely that any valuable assets will need to be sold

  • If your financial circumstances improve you may have to go through the full sequestration process