If you're in arrears with your factor you can get
free help from a local money advice agency or CABx to work out a
reasonable repayment plan.
Remember to check whether some of the debt can be
written off as unfair penalty charges.
If your factor raises an action for payment at the
sheriff court do not ignore this. You can make a time to pay
application under the Debtors (Scotland) Act 1987 or use the Debt
Arrangement Scheme to set up a reasonable repayment plan if you
have other debts.
You can locate a free
advice agency in Scotland here.
If your factor attempts to use punitive debt
enforcement against your possessions - such as an 'Exceptional
Attachment Order' (the replacement for warrant sales) - see
here for advice on how to oppose this.
If your factor attempts to bankrupt you for a debt see
here on how to oppose these proceedings.