Minimal Asset Process User Journey

In early 2019, Accountant in Bankruptcy (AiB), on behalf of Scottish Ministers commissioned independent social and economic research consultants EKOS to evaluate the user experience of clients within bankruptcy, with a focus on Minimal Asset Process (MAP) bankruptcies.

This final report sets out the findings of that research, making conclusions and recommendations for us to take forward.

The report highlights a number of positives, including a high level of satisfaction with the advice received in advance of MAP bankruptcy applications and the MAP process itself.  It also highlights some areas for further consideration and improvement, including a lack of awareness of MAP bankruptcy as a solution for problem debt.

AiB is now looking at the actions to take in response to the information provided through this independent research.  This will include:

  • Considering factors associated with debt issues and mental health – the Review of changes introduced by Bankruptcy and Debt Advice (Scotland) Act 2014 includes specific questions regarding mental health and access to and the length of the statutory moratorium.
  • Considering the evidence gathered in a future fees review and the fixing of application fees for bankruptcy.
  • An assessment of all public information available on MAP bankruptcy and other debt solutions to improve the use of plain English and ensuring messages are clear.
  • Considering actions that might raise the profile of MAP bankruptcy and where this may provide the best solution for those dealing with problem debt.

Minimal Asset Process (MAP) Bankruptcy User journey research report