An Analysis of Living Standards in Complex Debt Cases

The report is compiled from a snapshot of Scottish CAB clients with complex or multiple debt issues; 2,987 of these clients had relevant data recorded. Complex debt refers to cases where there are multiple creditors or a single liability where the issue requires intricate legal or administrative work, for example responding to court action. The data was collected between April 2021 and March 2022 with the previous annual period used as a comparator.