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  • Writing debts off

    Hi. So we have applied for citizenship. 2 adults and 2 children mn1 and currently awaiting the decision. My question is: if I applied to write my debts off right now (not through bankruptcy) in Scotland (I think it would be through the Voluntary sth scheme) would this affect my pending application?
    many thanks

  • #2
    Originally posted by Monia37 View Post
    Hi. So we have applied for citizenship. 2 adults and 2 children mn1 and currently awaiting the decision. My question is: if I applied to write my debts off right now (not through bankruptcy) in Scotland (I think it would be through the Voluntary sth scheme) would this affect my pending application?
    many thanks
    The AN form only asks questions regarding bankruptcy and CCJs (judgments against you made in court, however they are known in Scotland). It doesn't ask any other questions about debts, so this wouldn't be something that would constitute a change of circumstances they must be informed about.

    However, from a practical perspective not related to citizenship applications, it may be wise to look at all the alternatives before entering into an IVA (Individual Voluntary Arrangement), if that's what you're looking at. I spent many years on consumer and debt forums, and can't recall one case where an IVA was actually a better solution than the alternatives.

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