A MAP is a formal debt solution possible only in Scotland (like DRO in England) aimed at those with a low income and few assets. MAPs were introduced on 1st April 2015 as a new route for those in debt. A MAP is generally cheaper and more straightforward when compared to a solution such as Sequestration/Bankruptcy. The only way to apply for a MAP is through an approved money advice organisation such as StepChange Debt Charity. It is free to set up a MAP when approaching such organisations, however it is not free to apply.
If you wish to apply for a MAP Bankruptcy you must consult an approved money adviser who will assess your income and expenditure using the Common Financial Tool. StepChange can help with MAPs.
Depending on your circumstances: