ACCOUNTANT IN BANKRUPTCY Accountant in Bankruptcy (AiB) is an Executive Agency of the Scottish Government responsible for administering the process of personal bankruptcy and recording corporate insolvencies in Scotland. It is responsible for the determination of personal and entity bankruptcy applications, making decisions on debt payment programme applications

under

COVID-19 EMERGENCY LEGISLATION In light of the COVID-19 pandemic, the Scottish Government introduced two key Acts of Parliament, aimed at protecting members of society with unsustainable debt. The Coronavirus (Scotland) Act 2020 Coronavirus (Scotland) (No.2) Act 2020 Within these acts, several key temporary changes were introduced that affect how debt solutions within Scotland function. EDEN LIVE | ACCOUNTANT IN BANKRUPTCY The eDEN site is now available for use for new applications only and can be accessed using this link. https://eden.aib.gov.uk/eDEN Users who have been active on DASH will be able to log in using their existing username. They have to select the reset password link and await an email. The email address for each user has been migrated from DASH. If this is a generic organisation email it will

NOTES FOR GUIDANCE

Notes for Guidance provide those administrating bankruptcy and protected trust deeds in Scotland with Accountant in Bankruptcy's interpretation of the legislative process. They also provide access to sources of relevant information. Trustee notes for guidance from 30 November 2016 Previous guidance: Trustee notes for guidance from 1 April 2015 - 29 November 2016 Trustee notes

FULL ADMINISTRATION

Regardless of which route you enter bankruptcy, you will have certain obligations to meet: Full Administration In a bankruptcy through Full Administration you will not be discharged until at least 12 months from the date of your award of bankruptcy. Your discharge is dependent on your co-operation, therefore if you have not co-operated with your trustee your discharge can be deferred indefinitely. AIB - REGISTER OF INSOLVENCIES - PRIVACY POLICY & CONTENT The Register of Insolvencies (the Register) is an online public register which holds information on the insolvency of individuals and businesses in Scotland and individuals granted a moratorium . The Accountant in Bankruptcy (AiB) is required by statute to maintain the Register and make it available for public inspection. ACCOUNTANT IN BANKRUPTCY Accountant in Bankruptcy (AiB) is an Executive Agency of the Scottish Government responsible for administering the process of personal bankruptcy and recording corporate insolvencies in Scotland. It is responsible for the determination of personal and entity bankruptcy applications, making decisions on debt payment programme applications

under

COVID-19 EMERGENCY LEGISLATION In light of the COVID-19 pandemic, the Scottish Government introduced two key Acts of Parliament, aimed at protecting members of society with unsustainable debt. The Coronavirus (Scotland) Act 2020 Coronavirus (Scotland) (No.2) Act 2020 Within these acts, several key temporary changes were introduced that affect how debt solutions within Scotland function. EDEN LIVE | ACCOUNTANT IN BANKRUPTCY The eDEN site is now available for use for new applications only and can be accessed using this link. https://eden.aib.gov.uk/eDEN Users who have been active on DASH will be able to log in using their existing username. They have to select the reset password link and await an email. The email address for each user has been migrated from DASH. If this is a generic organisation email it will

NOTES FOR GUIDANCE

Notes for Guidance provide those administrating bankruptcy and protected trust deeds in Scotland with Accountant in Bankruptcy's interpretation of the legislative process. They also provide access to sources of relevant information. Trustee notes for guidance from 30 November 2016 Previous guidance: Trustee notes for guidance from 1 April 2015 - 29 November 2016 Trustee notes

FULL ADMINISTRATION

Regardless of which route you enter bankruptcy, you will have certain obligations to meet: Full Administration In a bankruptcy through Full Administration you will not be discharged until at least 12 months from the date of your award of bankruptcy. Your discharge is dependent on your co-operation, therefore if you have not co-operated with your trustee your discharge can be deferred indefinitely. AIB - REGISTER OF INSOLVENCIES - PRIVACY POLICY & CONTENT The Register of Insolvencies (the Register) is an online public register which holds information on the insolvency of individuals and businesses in Scotland and individuals granted a moratorium . The Accountant in Bankruptcy (AiB) is required by statute to maintain the Register and make it available for public inspection.

CONTACTING AIB

Due to current coronavirus advice, the Accountant in Bankruptcy’s office remains closed until further notice. However, we are continuing to deliver our full range of services while staff continue to work from home. If you need to get in touch, please see the list below of direct telephone numbers for each relevant team. Please be aware that our staff are working within their SCOTTISH STATUTORY DEBT SOLUTIONS STATISTICS Accountant in Bankruptcy (AiB) has released experimental statistics reporting statutory debt solutions in Scotland for May 2021. Main points for June 2020 to May 2021 (compared with June 2019 to May 2020) All main points within this section are presented on a 12-month rolling basis. There were 7,215 personal insolvencies in the 12 months to May 2021 (inclusive), 5,423 (42.9%) PRE-ANNOUNCEMENT OF FURTHER AD HOC STATISTICS RELEASE In September 2019, the then Minister for Business, Fair Work and Skills, Jamie Hepburn announced a wide-ranging review of Scotland’s statutory debt solutions. This process is now underway and three expert working groups have been established to consider a range of issues and bring forward recommendations for Ministerial consideration during the next Parliamentary session. This review

HOW TO APPLY

Scottish bankruptcy legislation applies to individuals, partnerships and other unincorporated organisations such as trusts. It does not apply to limited companies and other organisations registered at Companies House. A deceased individual’s estate can be made bankrupt by an executor. A debtor may apply to The Accountant in Bankruptcy for their own bankruptcy or a creditor can AIB - REGISTER OF INSOLVENCIES - PRIVACY POLICY & CONTENT The Register of Insolvencies (the Register) is an online public register which holds information on the insolvency of individuals and businesses in Scotland and individuals granted a moratorium . The Accountant in Bankruptcy (AiB) is required by statute to maintain the Register and make it available for public inspection. AGENDA FOR THE BOARD MEETING 1 Agenda for AiB Advisory Board Meeting Microsoft Teams 18 May 2021 1030 – 1230 Agenda Item Owner Action Expected Duration 1 Welcome, Introduction, Apologies, acceptance of NEW: DAS GUIDANCE FOR ADVISERS AND CREDITORS FOR DPP The Covid pandemic has seen a significant impact on many people. Employers and employees had to adapt to new ways of working. Existing DAS clients found themselves in a state of flux and confusion with volatile changes to their circumstances. In response to the pandemic, the AiB as DAS Administrator introduced significant measures to assist our existing DAS clients during such THE ADVISORY BOARD ACCOUNTANT IN BANKRUPTCY VIDEO creditor petitions remain very low. The monthly statistics release will be published tomorrow and available to view on the AiB website. 7. Work continues to AIB AGENCY FRAMEWORK The Agency Framework Document describes and sets out: the responsibilities of the Accountant in Bankruptcy and Scottish Ministers; the relationship between the Accountant in Bankruptcy and the Scottish Ministers; the Agency's objectives and performance measures, and; the management and resources framework within which the Agency will operate. The AiB Framework Document makes COMMON FINANCIAL TOOL (CFT) The use of a single common financial tool (CFT) to assess household income and expenditure is being introduced across all statutory debt solutions in Scotland from 1 April 2015. Guidance on the use of the tool has been developed by the Common Financial Tool Working Group comprising of representation from AiB, Citizens Advice Scotland, Money Advice Trust, Money Advice Service, ACCOUNTANT IN BANKRUPTCY Accountant in Bankruptcy (AiB) is an Executive Agency of the Scottish Government responsible for administering the process of personal bankruptcy and recording corporate insolvencies in Scotland. It is responsible for the determination of personal and entity bankruptcy applications, making decisions on debt payment programme applications

under

COVID-19 EMERGENCY LEGISLATION In light of the COVID-19 pandemic, the Scottish Government introduced two key Acts of Parliament, aimed at protecting members of society with unsustainable debt. The Coronavirus (Scotland) Act 2020 Coronavirus (Scotland) (No.2) Act 2020 Within these acts, several key temporary changes were introduced that affect how debt solutions within Scotland function. EDEN LIVE | ACCOUNTANT IN BANKRUPTCY The eDEN site is now available for use for new applications only and can be accessed using this link. https://eden.aib.gov.uk/eDEN Users who have been active on DASH will be able to log in using their existing username. They have to select the reset password link and await an email. The email address for each user has been migrated from DASH. If this is a generic organisation email it will

NOTES FOR GUIDANCE

Notes for Guidance provide those administrating bankruptcy and protected trust deeds in Scotland with Accountant in Bankruptcy's interpretation of the legislative process. They also provide access to sources of relevant information. Trustee notes for guidance from 30 November 2016 Previous guidance: Trustee notes for guidance from 1 April 2015 - 29 November 2016 Trustee notes

FULL ADMINISTRATION

Regardless of which route you enter bankruptcy, you will have certain obligations to meet: Full Administration In a bankruptcy through Full Administration you will not be discharged until at least 12 months from the date of your award of bankruptcy. Your discharge is dependent on your co-operation, therefore if you have not co-operated with your trustee your discharge can be deferred indefinitely. AIB - REGISTER OF INSOLVENCIES - PRIVACY POLICY & CONTENT The Register of Insolvencies (the Register) is an online public register which holds information on the insolvency of individuals and businesses in Scotland and individuals granted a moratorium . The Accountant in Bankruptcy (AiB) is required by statute to maintain the Register and make it available for public inspection. ACCOUNTANT IN BANKRUPTCY Accountant in Bankruptcy (AiB) is an Executive Agency of the Scottish Government responsible for administering the process of personal bankruptcy and recording corporate insolvencies in Scotland. It is responsible for the determination of personal and entity bankruptcy applications, making decisions on debt payment programme applications

under

COVID-19 EMERGENCY LEGISLATION In light of the COVID-19 pandemic, the Scottish Government introduced two key Acts of Parliament, aimed at protecting members of society with unsustainable debt. The Coronavirus (Scotland) Act 2020 Coronavirus (Scotland) (No.2) Act 2020 Within these acts, several key temporary changes were introduced that affect how debt solutions within Scotland function. EDEN LIVE | ACCOUNTANT IN BANKRUPTCY The eDEN site is now available for use for new applications only and can be accessed using this link. https://eden.aib.gov.uk/eDEN Users who have been active on DASH will be able to log in using their existing username. They have to select the reset password link and await an email. The email address for each user has been migrated from DASH. If this is a generic organisation email it will

NOTES FOR GUIDANCE

Notes for Guidance provide those administrating bankruptcy and protected trust deeds in Scotland with Accountant in Bankruptcy's interpretation of the legislative process. They also provide access to sources of relevant information. Trustee notes for guidance from 30 November 2016 Previous guidance: Trustee notes for guidance from 1 April 2015 - 29 November 2016 Trustee notes

FULL ADMINISTRATION

Regardless of which route you enter bankruptcy, you will have certain obligations to meet: Full Administration In a bankruptcy through Full Administration you will not be discharged until at least 12 months from the date of your award of bankruptcy. Your discharge is dependent on your co-operation, therefore if you have not co-operated with your trustee your discharge can be deferred indefinitely. AIB - REGISTER OF INSOLVENCIES - PRIVACY POLICY & CONTENT The Register of Insolvencies (the Register) is an online public register which holds information on the insolvency of individuals and businesses in Scotland and individuals granted a moratorium . The Accountant in Bankruptcy (AiB) is required by statute to maintain the Register and make it available for public inspection.

CONTACTING AIB

Due to current coronavirus advice, the Accountant in Bankruptcy’s office remains closed until further notice. However, we are continuing to deliver our full range of services while staff continue to work from home. If you need to get in touch, please see the list below of direct telephone numbers for each relevant team. Please be aware that our staff are working within their PRE-ANNOUNCEMENT OF FURTHER AD HOC STATISTICS RELEASE In September 2019, the then Minister for Business, Fair Work and Skills, Jamie Hepburn announced a wide-ranging review of Scotland’s statutory debt solutions. This process is now underway and three expert working groups have been established to consider a range of issues and bring forward recommendations for Ministerial consideration during the next Parliamentary session. This review SCOTTISH STATUTORY DEBT SOLUTIONS STATISTICS Accountant in Bankruptcy (AiB) has released experimental statistics reporting statutory debt solutions in Scotland for May 2021. Main points for June 2020 to May 2021 (compared with June 2019 to May 2020) All main points within this section are presented on a 12-month rolling basis. There were 7,215 personal insolvencies in the 12 months to May 2021 (inclusive), 5,423 (42.9%)

HOW TO APPLY

Scottish bankruptcy legislation applies to individuals, partnerships and other unincorporated organisations such as trusts. It does not apply to limited companies and other organisations registered at Companies House. A deceased individual’s estate can be made bankrupt by an executor. A debtor may apply to The Accountant in Bankruptcy for their own bankruptcy or a creditor can AIB - REGISTER OF INSOLVENCIES - PRIVACY POLICY & CONTENT The Register of Insolvencies (the Register) is an online public register which holds information on the insolvency of individuals and businesses in Scotland and individuals granted a moratorium . The Accountant in Bankruptcy (AiB) is required by statute to maintain the Register and make it available for public inspection. AIB AGENCY FRAMEWORK The Agency Framework Document describes and sets out: the responsibilities of the Accountant in Bankruptcy and Scottish Ministers; the relationship between the Accountant in Bankruptcy and the Scottish Ministers; the Agency's objectives and performance measures, and; the management and resources framework within which the Agency will operate. The AiB Framework Document makes NEW: DAS GUIDANCE FOR ADVISERS AND CREDITORS FOR DPP The Covid pandemic has seen a significant impact on many people. Employers and employees had to adapt to new ways of working. Existing DAS clients found themselves in a state of flux and confusion with volatile changes to their circumstances. In response to the pandemic, the AiB as DAS Administrator introduced significant measures to assist our existing DAS clients during such THE ADVISORY BOARD ACCOUNTANT IN BANKRUPTCY VIDEO creditor petitions remain very low. The monthly statistics release will be published tomorrow and available to view on the AiB website. 7. Work continues to T AKE PAR T IN T HIS SUR VEY: Q 1 P LEASE CONF IR M T HAT Sc ot t i sh St at ut ory D ebt Sol ut i ons St at i st i c s Publ i c at i on User Surv ey 1 / 8 96. 88% 31 3. 13% 1 Q 1 P lease conf ir m t hat you have r ead t he above disclaim er and agr ee t o COMMON FINANCIAL TOOL (CFT) The use of a single common financial tool (CFT) to assess household income and expenditure is being introduced across all statutory debt solutions in Scotland from 1 April 2015. Guidance on the use of the tool has been developed by the Common Financial Tool Working Group comprising of representation from AiB, Citizens Advice Scotland, Money Advice Trust, Money Advice Service, ACCOUNTANT IN BANKRUPTCY Accountant in Bankruptcy (AiB) is an Executive Agency of the Scottish Government responsible for administering the process of personal bankruptcy and recording corporate insolvencies in Scotland. It is responsible for the determination of personal and entity bankruptcy applications, making decisions on debt payment programme applications

under

EDEN LIVE | ACCOUNTANT IN BANKRUPTCY The eDEN site is now available for use for new applications only and can be accessed using this link. https://eden.aib.gov.uk/eDEN Users who have been active on DASH will be able to log in using their existing username. They have to select the reset password link and await an email. The email address for each user has been migrated from DASH. If this is a generic organisation email it will

NOTES FOR GUIDANCE

Notes for Guidance provide those administrating bankruptcy and protected trust deeds in Scotland with Accountant in Bankruptcy's interpretation of the legislative process. They also provide access to sources of relevant information. Trustee notes for guidance from 30 November 2016 Previous guidance: Trustee notes for guidance from 1 April 2015 - 29 November 2016 Trustee notes AIB - REGISTER OF INSOLVENCIES - PRIVACY POLICY & CONTENT The Register of Insolvencies (the Register) is an online public register which holds information on the insolvency of individuals and businesses in Scotland and individuals granted a moratorium . The Accountant in Bankruptcy (AiB) is required by statute to maintain the Register and make it available for public inspection. DISCHARGE FROM BANKRUPTCY What happens after the debtor is discharged? A debtor will normally be bankrupt for one year. After this period they may be discharged. Although the debtor is discharged, the administration of the bankruptcy continues until the trustee has done everything they need to and they are discharged from their duties. A debtor must continue to co-operate with the trustee until the trustee's discharge

FORM 4.25 PAGE 1

Individual team contact information can be found in our Contacting AiB

section.

AIB - REGISTER OF INSOLVENCIES - HOME AiB ROI Bankruptcy System (Accountant in Bankruptcy) Register of Insolvencies. A publicly accessible statutory register regarding the insolvency of individuals and businesses in Scotland. ACCOUNTANT IN BANKRUPTCY Accountant in Bankruptcy (AiB) is an Executive Agency of the Scottish Government responsible for administering the process of personal bankruptcy and recording corporate insolvencies in Scotland. It is responsible for the determination of personal and entity bankruptcy applications, making decisions on debt payment programme applications

under

EDEN LIVE | ACCOUNTANT IN BANKRUPTCY The eDEN site is now available for use for new applications only and can be accessed using this link. https://eden.aib.gov.uk/eDEN Users who have been active on DASH will be able to log in using their existing username. They have to select the reset password link and await an email. The email address for each user has been migrated from DASH. If this is a generic organisation email it will

NOTES FOR GUIDANCE

Notes for Guidance provide those administrating bankruptcy and protected trust deeds in Scotland with Accountant in Bankruptcy's interpretation of the legislative process. They also provide access to sources of relevant information. Trustee notes for guidance from 30 November 2016 Previous guidance: Trustee notes for guidance from 1 April 2015 - 29 November 2016 Trustee notes AIB - REGISTER OF INSOLVENCIES - PRIVACY POLICY & CONTENT The Register of Insolvencies (the Register) is an online public register which holds information on the insolvency of individuals and businesses in Scotland and individuals granted a moratorium . The Accountant in Bankruptcy (AiB) is required by statute to maintain the Register and make it available for public inspection. DISCHARGE FROM BANKRUPTCY What happens after the debtor is discharged? A debtor will normally be bankrupt for one year. After this period they may be discharged. Although the debtor is discharged, the administration of the bankruptcy continues until the trustee has done everything they need to and they are discharged from their duties. A debtor must continue to co-operate with the trustee until the trustee's discharge

FORM 4.25 PAGE 1

Individual team contact information can be found in our Contacting AiB

section.

AIB - REGISTER OF INSOLVENCIES - HOME AiB ROI Bankruptcy System (Accountant in Bankruptcy) Register of Insolvencies. A publicly accessible statutory register regarding the insolvency of individuals and businesses in Scotland.

NOTES FOR GUIDANCE

Notes for Guidance provide those administrating bankruptcy and protected trust deeds in Scotland with Accountant in Bankruptcy's interpretation of the legislative process. They also provide access to sources of relevant information. Trustee notes for guidance from 30 November 2016 Previous guidance: Trustee notes for guidance from 1 April 2015 - 29 November 2016 Trustee notes AIB AGENCY FRAMEWORK The Agency Framework Document describes and sets out: the responsibilities of the Accountant in Bankruptcy and Scottish Ministers; the relationship between the Accountant in Bankruptcy and the Scottish Ministers; the Agency's objectives and performance measures, and; the management and resources framework within which the Agency will operate. The AiB Framework Document makes DISCHARGE FROM BANKRUPTCY What happens after the debtor is discharged? A debtor will normally be bankrupt for one year. After this period they may be discharged. Although the debtor is discharged, the administration of the bankruptcy continues until the trustee has done everything they need to and they are discharged from their duties. A debtor must continue to co-operate with the trustee until the trustee's discharge DEBT ARRANGEMENT SCHEME Debt Arrangement Scheme. DAS is not insolvency, it is the only statutory debt management plan in the UK. It gives someone in debt much-needed breathing space and allows them to repay their debts in full through a debt payment programme over an extended period of time. If you have spoken to a DAS-approved money adviser, and they say the

scheme

FULL ADMINISTRATION

Regardless of which route you enter bankruptcy, you will have certain obligations to meet: Full Administration In a bankruptcy through Full Administration you will not be discharged until at least 12 months from the date of your award of bankruptcy. Your discharge is dependent on your co-operation, therefore if you have not co-operated with your trustee your discharge can be deferred indefinitely. TRUST DEED EXPLAINED Consequences of signing a trust deed. Signing a trust deed is a serious step and debtors need to understand what they are signing and the responsibilities they are undertaking.. Before a debtor signs, a trustee must:. Give advice about the conditions and consequences of signing a trust deed. Must tell them about the all alternatives to a trust deed including bankruptcy and DAS

4 1 3 - AIB.GOV.UK

4 1 3 * / ( $0/5&/54. 6wdwlvwlfv,psdfwrifrurqdyluxvsdqghplf '$6whdpxsgdwhv. h'(1v\vwhpphvvdjhv '$6fdvhuhylhzvdqgghflvlrqv *xhvweorj &dwulrqd6frwwiurp&$5) COMMON FINANCIAL TOOL (CFT) The use of a single common financial tool (CFT) to assess household income and expenditure is being introduced across all statutory debt solutions in Scotland from 1 April 2015. Guidance on the use of the tool has been developed by the Common Financial Tool Working Group comprising of representation from AiB, Citizens Advice Scotland, Money Advice Trust, Money Advice Service,

DEBTOR’S GUIDE

Debtor’s Guide Contents 1. Introduction 1 2. What is bankruptcy? 2 2.1 What are the consequences of being bankrupt? 2 3. Who can be made

bankrupt? 4

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*****UPDATED 20/03/2020***** COVID-19 – expanded PTD Contingency Arrangements A further Dear Trustee letter has been published regarding aspects of PTD administration. Skip to main content

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Welcome to the Accountant in Bankruptcy website Scotland's Insolvency Service DUE TO THE ONGOING PANDEMIC, OUR OFFICE REMAINS CLOSED. HOWEVER, WE ARE CONTINUING TO DELIVER OUR FULL RANGE OF SERVICES WITH STAFF

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OUR CONTACTING AIB  SECTION OUTLINES HOW YOU CAN GET

IN TOUCH WITH US.

OUR BUSINESS CONTINUITY SECTION OUTLINES THE CURRENT MEASURES AND

GUIDANCE IN PLACE.

GENERAL REVIEW

General review of Scotland's debt solutions Read about the work undertaken so far to assist and inform on the the wider review of Scotland's statutory mechanisms.

Read more

MORATORIUM

Contacting AIB

Read about our revised contact arrangements in place during the current coronavirus restrictions.

Find out more

Accountant in Bankruptcy (AiB) is an Executive Agency of the Scottish Government responsible for administering the process of personal bankruptcy and recording corporate insolvencies in Scotland. It is responsible for the determination of personal and entity bankruptcy applications, making decisions on debt payment programme applications under the Debt Arrangement Scheme and protecting trust

deeds.

All bankruptcies, trust deeds and statutory debt payment programmes are recorded in public registers maintained by the Agency along with details of corporate liquidations and receiverships.

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FEATURED ITEM

SECOND AD HOC STATISTICAL RELEASE AiB release second statistics assisting with on-going wider impact

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25 May 2021

LATEST DAS DIGEST PUBLISHED Read the spring 2021 edition

20 May 2021

SECOND AD HOC STATISTICAL RELEASE AiB release second statistics assisting with on-going wider impact

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18 May 2021

PRE-ANNOUNCEMENT OF SECOND AD HOC STATISTICS RELEASE AiB to release second statistics assisting with on-going wider impact

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