Across Scotland, the rising cost of living and the aftermath of the recession are taking their toll and many more families are struggling financially.

While there is help available to help people pay off their debts using government legislation in the form of deeds of trust, debt settlement schemes, and kidnapping, there are certainly a number of people who may consider their debt problem to be just as bad. serious that they should move abroad and start over. .

The stress associated with being in debt and facing an uncertain future can affect people in a number of ways and escaping debt and moving abroad may attract more people than they would like to admit, but many of those people would never seriously consider doing so.

What if you escaped your debt?

Getting out of debt is not a solution that any ethical debt counseling provider can recommend.

A historical term used to describe this process is known as ‘Midnight Flit’ and this was based on the tenants leaving their properties in the dark of night to avoid paying their owners a rent payment and any other debt that had increased.

If you fail to pay your debts and your creditors are unable to contact you or receive any payments 6 years after the last contact with you, the debt will eventually become known as ‘Prescribed Statute’ and any attempt to collect a debt is called harassment. under Section 40 (1) of the Administration of Justice Act of 1970.

However, this will be marked on your credit file as such, so if you do eventually want to return to the UK, this could have an impact on you.

Also ask yourself these basic questions:

• Would you have a job and a place to live?
• If you moved abroad, could you speak the local language?

Your creditors will also employ tracking agents to locate you. This could involve calls to your former employers and letters to your last known address, and while it is against the Data Protection Act to discuss the details of your case with someone other than you, the most inquisitive people can piece together what The tracking agent is trying to do and who it represents by simply doing a search for the business on Google, for example.

Creditors can also successfully track you abroad, despite having no jurisdiction to act on the debt; It can serve as a constant reminder of the situation you have left behind.

If you are struggling with debt and live in Scotland, the best thing to do is to seek to resolve the debt as soon as possible. You can seek free advice from a variety of sources such as Citizen Advice Scotland and CCCS registered debt charities.

Getting out of debt is not an option that an individual should seriously consider, and hopefully any such thought is merely frivolous.