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Debt Problems

Navigating Bounce Back Loans: Repayment Concerns and Options for Business Owners

Bounce Back Loans need to be repaid. Here we provide clarity on key topics, including the responsibility of businesses to repay loans and the implications of government security in cases of insolvency.

Category: Debt Problems

Taking control of personal debt in Scotland

At the start of the New Year many of us in Scotland find ourselves reflecting on our financial health, particularly concerning personal debt. The good news is there are multiple solutions to tackle problem debt in Scotland.

Category: Debt Problems
Ideas to kickstart your New Year

Ideas for a positive start to 2024

Ian Brown provides some positive steps to help kickstart your 2024 and beat the January blues.

Category: Debt Problems
strategies for a debt-free Christmas

Navigating the Festive Season: Smart Financial Strategies for a Debt-Free Christmas

To help avoid the post-Christmas debt hangover, here are some practical tips and ideas to manage your holiday expenses effectively.

Category: Debt Problems

The differences between a money coach and a money adviser

'Money coach' and 'money adviser' are two terms that are often used interchangeably, but they are not the same thing. Both professionals help clients manage their finances, but the approach they take is very different and one is strictly regulated.

Category: Debt Problems, DAS

Statutory Debt Solutions Statistics Update

We provide an overview of the AiB official statistics reporting statutory debt solutions and company insolvencies in Scotland for the third quarter of the financial year 2022-23.

Category: Debt Problems, DAS
Dealing with council tax arrears

Help with council tax debt

Outstanding council tax debt has increased almost 65% in Scotland recently. Thankfully, there are several solutions that can help people deal effectively with problem debt.

Category: Debt Problems
Help with credit card debt in Scotland

Countering the cost of credit card debt

In November 2022, UK credit card debt rocketed to its highest monthly level since 2004. In Scotland, the Debt Arrangement Scheme is an ideal way to counter the cost of credit card debt if it becomes a problem.

Category: DAS, Debt Problems
How to set and control your Christmas budget

Help to control spending and cut debts this Christmas

Given the challenge of rising costs, here are some ideas to make sure your Christmas spending doesn’t turn into a damaging Christmas shopping / debt cycle.

Category: Debt Problems