CAP has responded to the Money Advice Service’s (MAS) latest consultation, which seeks to improve the availability, quality and consistency of debt advice across the UK. The consultation looked at 24 opportunities for change, such as creditor behaviour, gaps in provision and bankruptcy. We believe that greater fairness in government debt collection should be a top priority, as well as opportunities concerning bankruptcy. Action is needed to ensure those with no assets and low incomes can access a debt solution without the cost trapping them in debt. Read our full response below.