Debtor contribution order
In MAP cases, there must be a zero contribution (or the client must have benefits-only income), so advisers should work with the client and the CFT to try and get the contribution to zero, or even show a negative budget.
This is important because if the CFT is not completed correctly, the AiB may change the contribution and move the client onto the FAB process, lengthening the discharge process.
If the AiB refuses to award a MAP bankruptcy, the client can request a review within 21 days if they disagree with the AiB’s decision. The client can further appeal to the sheriff court within 14 days if they disagree with the review decision.
1Part 6 B(S)A 2016
Variation of the debt contribution order
If the client’s situation changes during the first six months before the discharge of their debts, they must inform the AiB. The AiB may then vary the DCO and move the client to the FAB process.
The AiB quashes the DCO in MAP cases after six months. If the client’s income then changes, the DCO cannot be varied.