This page how it works
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Debt repayment option
You can make provisions to settle your debt when you debt individuals (your "creditors"). Depending on the amount of cash and wealth you have. If you want, you can repay your debt in installments by settling in: A debt relief or insolvency order can be applied for if you are unable to settle your debt because you do not have enough cash or property to be sold.
Scotland allows you to organise a debt payment programme from the Debt Arrangement Scheme. Money Advisory Service has information about debt administration and provides free debt counseling. So if you can't repay your debt, you can go into bankruptcy.