Scottish Government

ISBN 978 0 7559 5397 4

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Contents

Ministerial Foreword

How to Respond

PART ONE - INTRODUCTION
1. Executive Summary
2. Background - Apparent Insolvency
3. The Problem of Apparent Insolvency
4. Previous Consultation
5. Working Group on Debt Relief
6. Proposals for a Low Income Low Asset ( LILA) Scheme

PART TWO - QUESTIONS FOR CONSULTATION
1. Income
2. Assets
3. Debt Threshold
4. Applications
5. Awards

Annex A - Apparent Insolvency
Annex B - New provision for Debtor's Petitions
Annex C - Assets Excluded for Bankruptcy
Annex D - Wording of the new Section 5A
Annex E - Glossary
Annex F - The Scottish Executive Consultation Process

Consultation Questionnaire
Respondent Information Form

Consultation Questionnaire and Respondent Information Form (MS Word format)