WBDebtcare: here to help

It may not be the first thing on our minds when a loved one passes away but dealing with an insolvent estate after a death can be emotive as well as complex.

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Wylie & Bisset, a registered limited liability partnership (Ref: SO301911), with its registered office at 168 Bath Street, Glasgow, G2 4TP, is a data controller and is registered with the Information Commissioner
(Ref: Z2617403).

In order to meet the principles of GDPR (2018), we commit to the following:

  • Data is processed lawfully, fairly and transparently
  • Data is processed for specific, explicit and legitimate purposes
  • Processing is adequate, relevant and limited to the purposes set out
  • Data is accurate and current
  • Data is kept for no longer than necessary
  • Data is held securely.

The rest of this document details our approach.

Purpose of this Privacy Notice

This Privacy Notice tells you how we collect, process and look after your personal data that we collect when you visit our website (regardless of where you visit it from) and tells you about your privacy rights and how the law protects you. This website is not intended for children and we do not knowingly collect data relating to children from our website. It is important that you read this Privacy Notice, together with any other privacy notice we provide on specific occasions when we are collecting or processing personal data about you, so that you are fully aware of how and why we are using your data. This Privacy Notice supplements other notices and is not intended to override them.

When Is An Estate Bankrupt

Bankruptcy is the legal process that is followed when someone has become insolvency. The Scottish term for bankruptcy is sequestration.  

After someone passes away, their estate is insolvent when there is not enough money to pay off their debts.   If an executor is appointed and it is established the deceased estate is insolvent, then they have an obligation to take steps to sequestrate the estate.  

If there is no executor appointed, then anyone entitled to act as one can take steps to place the estate into insolvency.

How we can help…

It is a common misconception that that a debt in written off after an individual passes away. This is untrue as any debts need to be paid from the deceased estate before any beneficiaries receive any inheritance.

payment plans

Debt Arrangement Scheme

Pay off your debts over a series of manageable payments, without worrying about charges or interest.

Find out more

affordable creditor agreement

Trust Deeds

make monthly contributions towards your debt over 4 years, after which all remaining debt will be wiped out.

Find out more

a fresh start


Sequestration is the Scottish version of bankruptcy and may be suitable for you if you do not have the money to pay back what you owe.

Find out more

Is a DAS right for you?

Watch to find out why a Debt Arrangement Scheme might be one of our three solutions that’s right for you.

how we
helped Mrs B

Trust Deeds, Unsecure debt

Mrs B’s story

Mrs B had around £39,000 of unsecured debts which she was struggling to repay through her high minimum monthly payments. She signed a Trust Deed which meant she could write off unaffordable debt after the agreed period.

Read more
Mrs B’s story
See Our Trustpilot Reviews

To find out more about managing your money and getting free advice, visit Money Helper, an independent service set up to help people manage their money.