A report based on research amongst Scottish citizens advice bureau (CAB) debt clients in 2008.
In 2008, personal debt had reached new record levels and consumer debt was consistently the biggest single issue that clients raise with bureaux. Concern about debt was been heightened by the crisis in the banking and credit industry and recession in the UK economy.
This research was carried out towards the end of 2008, in the midst of this period of rapid change. Legislation on debt in Scotland had changed recently. Key changes included modification to the Debt Arrangement Scheme (DAS), a scheme designed to help individuals manage debts, and the introduction of a new route to bankruptcy for people with low income and low assets (LILA).