Read our consultation on Scotland’s Statutory Debt Solutions.
CAP supports reforms that make the insolvency system fairer, more flexible and more compassionate. We welcome a person-centred approach that improves access to advice, strengthens protections and reduces barriers like fees and rigid thresholds. CAP emphasises the importance of holistic, community-based support that integrates debt advice with income maximisation and money education, helping people build long-term financial resilience. We also call for sustainable funding and legislative safeguards to protect the not-for-profit advice sector, ensuring everyone can access ethical, effective support on their journey out of debt.
