Minimal Assets Process (MAP)

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What Is the Minimal Assets Process?

The Minimal Assets Process (MAP) is a fast-track form of sequestration (bankruptcy) introduced for people who have very little income and minimal assets. It was designed to provide a dignified and affordable route to debt clearance for those who simply cannot sustain any form of debt repayment plan.

Who Qualifies for MAP?

To qualify for MAP, you must meet all of the following criteria:

• You live in Scotland
• Your total debts are between £1,500 and £17,000
• Your weekly income (after tax) is no more than the equivalent of the monthly amount specified by the AiB (broadly, low income or benefits)
• You do not own property or significant assets
• You have not been in a MAP or DAS in the previous 10 years

How MAP Works

• You apply through a Money Adviser approved by the AiB (often free through Citizens Advice or Money Advice Scotland)
• You pay a modest application fee (currently £90, which can be paid in instalments)
• Once approved, you are sequestrated under MAP
• There is no income contribution period - you do not make monthly payments to creditors
• You are automatically discharged after just 6 months
• Most debts are written off on discharge

MAP vs Protected Trust Deed

MAP is suitable for a very specific group - low income, minimal assets, debts under £17,000. If you earn a regular wage and your debts exceed £17,000, a Protected Trust Deed will almost always be more appropriate. The PTD gives you a structured, controlled process with more certainty about what happens to your home and professional status.

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