The number of Scots going bust fell in the last quarter but remained slightly higher than the same period of 2010, according to official figures.
The Accountant in Bankruptcy (AiB) reported 4,664 personal insolvencies in the third quarter of 2011-12. This was 13% lower than the previous quarter but up year-on-year by 2%.
Awards of bankruptcy fell for a second successive quarter, while protected trust deeds were 19% down on the previous three months.
However, both bankruptcies and total insolvencies were higher than the corresponding quarter of the previous year.