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A Protected Trust Deed in Scotland is a formal, legally binding arrangement between an individual and their creditors which lasts for a period of 4 years although a longer period can be considered. It is a legal binding agreement which can only be carried out through a licensed Insolvency Practitioner (IP) who will act as the Trustee.

 

This form of debt solution is only available to residents of Scotland and is designed to provide debt help individuals who are unable to repay their debts (more than £5,000) over a period of time. At the end of the period any remaining debt is written off by creditors, subject to some exceptions.

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