Register of Insolvencies

The Register of Insolvencies (ROI) is an online public register which holds information on the insolvency of individuals and businesses in Scotland and individuals granted a moratorium.

Anyone can search the ROI for details of those who:

• are bankrupt 
• have a trust deed
• have a moratorium 

The register includes details of both people and businesses.

You can apply for a moratorium if you:

• live in Scotland
• have unsecured debts
• have not applied for a moratorium in the last 12 months
• have not already entered bankruptcy
• are not already in a Trust Deed or a Debt Arrangement Scheme

You can apply by yourself or a money adviser can apply for you.

Once you or a money adviser has submitted your application, the Accountant in Bankruptcy (AiB) will review it and make a decision.

Information on a moratorium and how to apply can be found on the mygov website.