Acknowledgements
First of all, big thanks to the Scottish government for providing the funds to enable this new Scottish resource to be published free online.
This Handbook is based on the Debt Advice Handbook which has been the standard text for debt advice in England and Wales for over 30 years. The authors of that book, most notably Mike Wolfe, are gratefully acknowledged.
Many thanks are due to Kim Banks, Carole Benzie, Kelly Gallagher, Natalia Mallon, Joe McMonagle, Tony Pearson and Christine Sinclair for checking and providing an adviser-level view of the text.
Special thanks to John Cook and the individual teams at the Accountant in Bankruptcy for reviewing Chapter 6.
Last but not least, thanks to the team at CPAG.
The law covered in this book was correct on and includes regulations laid up to 1 June 2024.