{"id":616,"date":"2022-11-22T14:59:31","date_gmt":"2022-11-22T14:59:31","guid":{"rendered":"https:\/\/trust-deed.co.uk\/?p=616"},"modified":"2026-02-12T12:01:58","modified_gmt":"2026-02-12T12:01:58","slug":"nurses-and-scottish-trust-deeds","status":"publish","type":"post","link":"https:\/\/mull.xthost.co.uk\/trustdeed\/nurses-and-scottish-trust-deeds\/","title":{"rendered":"Nurses and Scottish Trust Deeds"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Can a nurse in Scotland tackle their debt using a trust deed?<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>No General Restriction<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No general restriction stops you from using a trust deed. Nurses aren\u2019t generally restricted from entering <a href=\"\/debt-solutions\/bankruptcy\/\" data-type=\"page\">bankruptcy<\/a> either.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This applies whether you work for the NHS or privately.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Personal insolvency should not affect your registration. For nurses and midwifes, it should not lead to disciplinary action. If there\u2019s no connected criminal issue, there should be no problem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Personal debt isn\u2019t mentioned in the <a href=\"https:\/\/www.nmc.org.uk\/standards\/code\/\" target=\"_blank\" rel=\"noreferrer noopener\">NMC\u2019s Code<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Check Your Contract Of Employment<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Check your contract for any personal insolvency clauses. Most nurses will not have such clauses in their employment contract.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This may be different if you hold budgeting responsibility. If budgeting is part of your role, proceed with more caution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Support From Your Union<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re a member, we suggest contacting your union. It\u2019s likely they will have supported colleagues dealing with debt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This may provide reassurance to you. They probably know of colleagues that have entered a trust deed. They\u2019ll be able to assure you your job will go unaffected.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Other Debt Solutions<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nurses in Scotland aren\u2019t restricted to using trust deeds or bankruptcy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are two further options to get extra time to repay your debt. They can reduce your monthly repayments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A&nbsp;<a href=\"\/debt-solutions\/debt-arrangement-scheme\/\" data-type=\"page\">debt arrangement scheme&nbsp;<\/a>may be suitable. It provides legal protection while you repay your debt. It guarantees interest and charges will stop.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A&nbsp;<a href=\"\/debt-solutions\/debt-management-plan\/\" data-type=\"page\">debt management plan<\/a>&nbsp;is more flexible. It doesn\u2019t provide legal protection from creditors though.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These options are often used by <a href=\"\/debt-solutions\/homeowner-help\/\" data-type=\"page\">homeowners<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Getting Debt Advice<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve helped many nurses to deal with their debts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For friendly confidential debt advice, please <a href=\"\/contact\" data-type=\"page\">get in touch<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Can a nurse in Scotland tackle their debt using a trust deed? No General Restriction No general restriction stops you from using a trust deed. Nurses aren\u2019t generally restricted from entering bankruptcy either. This applies whether you work for the NHS or privately. Personal insolvency should not affect your registration. For nurses and midwifes, it [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-616","post","type-post","status-publish","format-standard","hentry","category-news"],"acf":[],"_links":{"self":[{"href":"https:\/\/mull.xthost.co.uk\/trustdeed\/wp-json\/wp\/v2\/posts\/616","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mull.xthost.co.uk\/trustdeed\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mull.xthost.co.uk\/trustdeed\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mull.xthost.co.uk\/trustdeed\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mull.xthost.co.uk\/trustdeed\/wp-json\/wp\/v2\/comments?post=616"}],"version-history":[{"count":1,"href":"https:\/\/mull.xthost.co.uk\/trustdeed\/wp-json\/wp\/v2\/posts\/616\/revisions"}],"predecessor-version":[{"id":1401,"href":"https:\/\/mull.xthost.co.uk\/trustdeed\/wp-json\/wp\/v2\/posts\/616\/revisions\/1401"}],"wp:attachment":[{"href":"https:\/\/mull.xthost.co.uk\/trustdeed\/wp-json\/wp\/v2\/media?parent=616"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mull.xthost.co.uk\/trustdeed\/wp-json\/wp\/v2\/categories?post=616"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mull.xthost.co.uk\/trustdeed\/wp-json\/wp\/v2\/tags?post=616"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}