The Scottish Government

? ...... In debt? ......?

Owe money to banks, catalogues, credit card companies?
Go to 2
?

Owe local authority or central government money?
(council tax debt, water charges, income tax, etc.)
?

Received a default notice under Consumer Credit Act?
Go to 3
?

Received a reminder notice?
?

Being taken to court?
Go to 4
?

Received a final notice?
?

Received a charge for payment?
Go to 6
?

Received a summary warrant notice?
?

Having your wages and/or bank account arrested?
Go to 6a
?

Having your wages or bank account arrested?
?

Got rent or mortgage arrears?
Go to 6b
?

Have local/central government applied to court for an
Exceptional Attachment Order?
?

Has your creditor applied to court for an
Exceptional Attachment Order?
?
Go to 6d

Go to 5