Checklist for action
Advisers should take the following action.
•Consider whether emergency action is necessary.
•Check whether the property is exempt and the client is in receipt of all relevant discounts and reductions.
•Check liability for the debt, including any associated sheriff officer’s charges. Consider whether there are any grounds for a complaint.
•Check if an application for a statutory moratorium would be an appropriate course of action.
•Consider applying for the Debt Arrangement Scheme or an insolvency option. In the case of joint and several debts, where only one party opts for a formal debt solution, the other party can be pursued for the whole debt.
•Assist the client to choose a relevant strategy because this may be a priority debt.