Important: Nothing on this page is debt advice. The information here is factual only. UK Debt Team is an introducer and referral service, not a debt advice provider. Free, impartial support is available from
MoneyHelper.
The 6-month duration
MAP has a 6-month standard duration — half the length of Full Administration and much shorter than Trust Deeds or IVAs.
Discharge is automatic at 6 months unless there is evidence of misconduct or non-compliance.
On discharge, debts included are written off. You are free to move on.
Credit file impact runs longer
Despite the short 6-month duration, the credit file entry stays for six years from the date of the award. Because MAP is so short, the entry persists for about five-and-a-half years after discharge.
This is the same six-year rule as other insolvency routes — the short procedural duration does not mean a shorter credit file impact.
Struggling with debt in Scotland?
Get in touch and we can refer you to a regulated debt help specialist who can talk you through your options. No obligation, no charge to talk.
Where to get free, regulated debt help
If you need help with debt, these organisations provide free regulated support. UK Debt Team is an introducer and referral service, not a debt advice provider.
MoneyHelperGovernment-backed service
StepChangeFree debt charity
Citizens AdviceFree advice network
National DebtlineFree phone and web support