Scottish and English debt laws are different, so if you are a Scottish resident and have questions on debt, then this is the place to post.

Moderators: TalbotWoods, JaneClack

By plainzer0
#326273 Hi

I have been declared LILA Bankrupt. I am scared of finding full time employment as I do not want an IPA set up. Can someone tell me if your income is based on earning after or before tax? I'm trying to find a job with around 30 hours with minimum wage to be safe.

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By JaneClack
#326283 It is unlikely you would get an income payments arrangement on the minimum wage but it does depend on your outgoings. If you are living at home with your parents and just pay them £150 a month for board and lodging and walk to work and have no car and need no clothes etc then it might be possible - but the AIB does allow people to pay their essential outgoings and these include things like rent, food, utilities, clothing, haircuts etc - please do not let being bankrupt stop you looking for a job!