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Scotland like many other UK countries has seen it bankruptcy rates rise. This rise may be attributed to the fact that there are people in Scotland, who have the resources to pay their creditors and debtors, choose not to. Some people do want to pay, but they require leniency and flexibility in time. According to some government officials and analysts, a fair-haired system needs to be in place to manage and to judge the bankruptcy proceedings in Scotland. [link widoczny dla zalogowanych] Further more it is also suggested that some people, who filed for bankruptcy, have [link widoczny dla zalogowanych] more than self-sustainable salaries be made to pay their creditors from their future incomes, at the same time if such people show genuine cause, may be given some form of bankruptcy reprieve. Some other suggested reforms include, [link widoczny dla zalogowanych] decreasing the bankruptcy period to one year, [link widoczny dla zalogowanych] and instilling the rule that the debtor pays some part of his income as [link widoczny dla zalogowanych] a contribution to the his or her creditors. Some government officials also wanted, some of the Scottish Bankruptcy laws to mirror that of England and Wales. These reforms also included the framework for implementing transparencies between the creditor and the debtor. [link widoczny dla zalogowanych]
A leading publication in Scotland also reported [link widoczny dla zalogowanych] that bankruptcy rates on the first quarter have skyrocketed and the need of these reforms as a way controlling and correcting the rates. Some analysts also suggested that the Scottish Bankruptcy [link widoczny dla zalogowanych] laws should mirror their American [link widoczny dla zalogowanych] counterparts, making [link widoczny dla zalogowanych] debtor analysis and educational lectures a must.
Current Scottish Bankruptcy laws have their [link widoczny dla zalogowanych] own advantages and disadvantages, for debtor and creditors alike, for example; Creditors may get more money than in bankruptcy, All your creditors need to consent writing, debtors will require a reasonable amount of disposable [link widoczny dla zalogowanych] income and maybe even assets. One can also consider an informal form of bankruptcy know as "quasi-bankruptcy", which involves you offering all your creditors three years worth of their payments from your non-refundable income as a final an full resolution.
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