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Help with personal debt problems

We are acutely aware that the pandemic has created unexpected money problems for many people. Job insecurity and changing restrictions can make balancing your budgets extremely challenging. You might find yourself facing debt issues for the first time and not sure what to do. We've created these short videos and guides to help you understand the options that are available.

Please get in touch with our friendly team to arrange a free, confidential consultation.

Bankruptcy - Advantages and Disadvantages

Ian Brown highlights the advantages and disadvantages of bankruptcy. 

bankruptcy advantages and disvantages

Bankruptcy - The Application Process

Our Senior Insolvency Manager Ian Brown outlines how you can get some breathing space to consider your options and how to apply for bankruptcy if that proves to be the best solutions to your problem debt.   

What is Bankruptcy?

This video covers the 2 key criteria that must be met to file for bankruptcy, the 3 types of bankruptcy that are available and the special changes that have been made as a result of Covid-19. Ian also covers questions like 'Is it the right thing to do?' and 'What happens when you file for bankruptcy?' 

What is Bankruptcy?

What is a Trust Deed?

This video covers what a Trust Deed is, plus the advantages, disadvantages and serious considerations required before selecting it as a solution for debt issues. 

trust deed explained by Scottish debt expert

What is the Debt Arrangement Scheme (DAS) - Part 1

This video covers what a DAS is, how it can help deal with personal debt and who it is suitable for.

Debt Arrangement Scheme (DAS) process explained - Part 2

This video explains the process that it follows.

Debt Arrangement Scheme (DAS) FAQs - Part 1

This video answers common questions like 'Do all debts have to be included?' and 'How long does it last?'

Debt Arrangement Scheme (DAS) FAQs - Part 2

This video answers common questions like 'What happens if I miss a payment?' and 'How long does a DAS stay on your credit file?'

Debt Arrangement Scheme explained

The latest Statutory Debt Solutions figures from the Scottish Government and how these compare to pre-Covid statistics. 

Category: DAS

About the author

Ian Brown

Ian Brown

Ian is an expert in the Debt Arrangement Scheme and Business Debt Arrangement Scheme, assisting individuals, sole traders and partnerships.

He also advises on personal debt solutions recommending the best option to resolve problem debt issues.

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