You will usually need to have enough income left over after you have paid for essentials (called disposable income) to make a contribution towards your debts.
Disposable income is assessed by working out your usual income and expenditure over a month. Then you can see if you have any income left after you have paid for all your essentials.
If you don’t have any assets, such as savings, or property such as a car or a house, then you will need to have enough disposable income to pay towards your debts during the existence of your trust deed.
If you have enough disposable income to be able to pay off your debts in full in less than 4 years, then you will not be able to set up a protected trust deed. A Debt Payment Programme under the Debt Arrangement Scheme may be a more suitable option in this situation.