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We Will Help You

Let us take care of your debt worry.

Our team of experienced debt advisers are dedicated to helping Scottish residents solve their money problems and become debt free. For over 65 years, we have been helping people just like you to get their lives back.  No more worry, no more stress and no more sleepless nights.

There is more than one way to clear your debts – and choosing the right solution can often be confusing. That is where we come in. Our trusted and trained debt advisers will listen to you, gain a clear understanding of your particular situation and give honest advice on the best way to clear your debts sooner.

Our website will help explain the options available to you, but the most important thing you must do - is to contact us. You have already taken the first step by seeking help, speaking with our team is the next step in changing your life for the better.

Join the 1,000’s of individuals who we have already helped put a smile back on their face.

We have the perfect solution for you

Debt Solutions

A Debt Arrangement Scheme (or DAS) might be the way forward for you

Debt Arrangement Scheme

If you live in Scotland and are struggling to pay back debts and cope with high interest payments, then a Debt Arrangement Scheme (or DAS) might be the way forward for you.

You have the option of entering into a Protected Trust Deed to help you pay off your debts

Protected Trust Deeds

If you are struggling with unsecured debt of £5,000 or more, and you live in Scotland, you have the option of entering into a Protected Trust Deed to help you pay off your debts.

Bankruptcy can be a positive way forward for someone in the right set of circumstances

Bankruptcy

Bankruptcy is a big step to take and one for which you need the best advice from a leading money adviser. Bankruptcy can be a positive way forward for someone in the right set of circumstances.

A windfall can put you in a position to make a Full and Final Settlement to your creditors

Full & Final Statement

Sometimes a windfall can put you in a position to make a Full and Final Settlement to your creditors.  If this happens to you, then it gives you another potential way of dealing with your debt.

Consolidate debt into one monthly payment and are usually offered at lower interest rates

Secured Loans

Are a tempting option to give you the chance to consolidate debt into one monthly payment and are usually offered at lower interest rates than unsecured loans.

Consolidating your credit card debts can make them simpler

Credit Card Debt Consolidation

Consolidating your credit card debts can make them simpler to manage and you have only one payment to think about, making each month easier.

Don’t Struggle Alone With Your Debt Problems

It does not matter if your debts have simply spiralled out of control or are no fault of your own, we have a solution for you.

Our experienced advisers understand your debt problems. We know how overdraft debts can creep up. We understand how council tax, rent or mortgage payments can slip and how hire purchase or tax debts can turn into a nightmare.

Dealing with debt problems in Scotland can be different to other parts of the UK. That is why our advisers are fully trained and licensed to help Scottish residents.

There is no need to feel embarrassed about talking about your debt problems. Sharing your financial predicaments will actually help. It is FREE to call, so stop struggling with debt and speak confidentially with our team today. 

We understand your problems

Debt Problems

Small overdraft debts can so easily become bigger and more problematic

Overdraft Debts

Overdraft debts can be a particularly insidious type of debt that can creep up on you if you are not careful. The more you rely on using your overdraft, the higher the interest charges.

Council Tax arrears are a serious problem for many people across Scotland

Council Tax Arrears

Large Council Tax arrears can easily start to run up if you forget to, or are unable to, make payments. And by failing to make those payments, you can quickly fall into trouble and even face going to court.

HMRC has special powers available to recover personal tax and business tax debts

Personal Tax Debts

It’s easy to be caught out by personal tax debts and you can find yourself facing these for a variety of reasons. For example, self-employed people who have lost a contract or experience a bad debt.

Hire purchase or HP is a type of finance agreement used typically to buy vehicles and household

Hire Purchase Debts

You can soon find yourself falling behind with hire purchase payments if you are experiencing financial difficulties. It’s a difficult situation, but it’s one in which you need to act quickly.

In Scotland, people can get court decrees made against them for unsecured debts

County Court Judgements

Getting a court decree (County Court Judgement) can be very stressful as it brings it home to someone that their debts are mounting up and getting beyond their control.

Mortgage arrears are one of the most distressing debt problems

Mortgage and Rent Arrears

Mortgage and rent arrears are some of the most distressing debt problems that a person can face.  Arrears bring with them a very real risk of losing your home and often your family’s home.