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Minimal Asset Process (MAP)
A Minimal Asset process is a formal insolvency solution designed for people with debts between £1,500 and £17,000, have little or no assets and a relatively low disposable income. Minimal Asset Process is only available to customers living in Scotland.
Advantages
- Creditor Protection – After approved, creditors cannot legally chase you for payments
- Low set up fee of just £90
- The process usually lasts for 6 months
- Most unsecured debts can be included
- All Included debts are written off upon completion
Disadvantages
- MAP will adversely affect your credit rating and may affect your ability to obtain credit.
- It will be recorded on a publically accessible register (Insolvency Register)
- MAP can have impact on certain professions, If you are unsure check your employment contract
- In most cases, valuable assets will need to be sold to pay off the debt.
- Restrictions will bIf your financial circumstances improve you may have to go through the full sequestration processe placed on your expenditure once entering into a PTD
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