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 mccannio2
#58432 I have been bankrupt for 1 year and making a monthly payment of £200 (which I cant really afford). What happens when an unexpected cost comes up? I need to get some dental work done (non cosmetic) and I need glasses too. However, I have no disposible income because of my monthly payment. What do I do?
By Mel_Odious
#58440 Hiya,
again, don't know how it works in Scotland but here in England before the new Act, if there was any surplus from income after expenses, a percentage only, usually around 50% was taken in the form of an IPO. A bankrupt could apply to the Court for a reduction in an Income Payments Order if circumstances had changed. However with only a percentage of any surplus being taken it would be assumed that you would have sufficient funds to cover emergencies such as you state. I would have words with whoever is in control of your estate in bankruptcy.

Mel