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If you are struggling to get out of debt,
it’s time to break the cycle with
Debt Advisory Services (Scotland) Limited!

Debt Advisory Services (Scotland) Limited, a private limited company, was launched in February 2006 to provide a range of debt solutions for people living in Scotland.

The Company is regulated and authorised by the Financial Conduct Authority and is licensed under the Data Protection Act.

It’s easy to be tempted to run up our credit cards, take out a short term payday loan or maybe go into your overdraft just to tide us over when finances are tight or when we receive unexpected bills that blows even the best planned budget. 

Although we can temporarily ease the strain by taking out further credit, the financial hangover in the long run means that we have just as much to pay off (if not more) the following month, thanks to interest rates and charges on our outstanding debt.

We can easily find ourselves trapped in a vicious cycle, making it feel impossible for us to ever get out of debt.

The hardest thing to do is to recognise that there is a problem and take the steps to find the right people to help you to become free of debt.

If you are really worried about your current level of debt and you are looking for a way to become debt free, there are a number of solutions available that can help and they are listed below.

Careful consideration should always be taken before you decide on the solution to take when dealing with your debts.

Debt Advisory Services (Scotland) Limited only recommend appropriate debt solutions after we conduct a full review of your personal circumstances

Our initial review service, which helps to identify a potential solution for you, is completely free and there is no commitment for you to action any recommendations that we make.

Should you however choose to effect a debt solution with Debt Advisory Services (Scotland) Limited fees will apply.

For further information regarding our fees, please see below.

Alternatively, free sources of information can be obtained from Money Advice Service (www.moneyadviceservice.org.uk) or from your local Citizens Advice Bureau.

Our fees explained

We are committed to providing you with the highest level of service. We endeavour to act with integrity at all times and as a member of The Debt Resolution Forum (Industry regulator), you can be confident that you are dealing with a reputable organisation, which upholds a strict Code of Conduct.

Read More About Our Fees

Fresh Start Programme

The services that we provide go beyond those offered by other Debt Management Companies who, may do no more than just put a plan in place to help you deal with your current debts. We see that putting a plan in place to deal with your creditors as being the first step towards your financial rehabilitation and whilst it is imperative that a plan is put in place early to deal with your creditors, moving forward, our Fresh Start programme, which is free of charge, will provide you with simple, straight forward help and advice to help boost your disposable income and deal with your creditors.

A brighter future – It’s all about Your Fresh Start

With rising bills, simply comparing the costs of your everyday expenses such as utility bills, broadband, life insurance and home insurance plans can help save you a lot of money each month.

Regularly reviewing service providers should be at the heart of your personal financial maintenance and we can help by pointing you in the right direction where you may able to take advantage of some of the best deals available by showing you how to review your gas, electricity, phone, broadband and insurance bills.

Our Fresh Start programme is designed to help you make the most of your money and provide you with the opportunity of freeing up additional disposable income that can be used to help you repay your debts as early as possible.

In addition to helping you to identify areas where you may save money, we will also show you how you can assess your benefit entitlements so that you are able to maximize your monthly income.

Benefits are not just for the unemployed and as rules constantly change, it's worth carrying out an annual check to see if your entitlements have changed.

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icon-debt-planDebt Management Plan

A Debt Management Plan is an informal agreement designed to allow people who are struggling to meet their monthly debt repayments, the opportunity to make a single, more affordable monthly payment via a debt management company. A Debt Management Plan may be appropriate if you have a temporary financial problem or if you can’t or don’t want to re-mortgage.

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icon-trust-deedTrust Deeds

If you live in Scotland and cannot afford to keep up payments on loans and credit cards, a Trust Deed may be the best debt solution for you. A Trust Deed is a legally binding agreement between you and your creditors where you agree to pay an affordable monthly payment over an agreed period of time (normally 4 years). A Trust Deed can only be arranged through a qualified and licensed Insolvency Practitioner.

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icon-debt-schemeDebt Arrangement Scheme

The Debt Arrangement Scheme is a formal debt management scheme. It was introduced by the Scottish Government in November 2004 to help people living in Scotland to repay their debts. Any individual who lives in Scotland who is having difficulty in maintaining their payments to creditors can apply for a debt payment plan under DAS.

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icon-consolidateDebt Consolidation

Consolidating your existing debts into one smaller monthly repayment can sometimes put an end to the stress inducing demands made by your current creditors. There are a number of ways that you may be able to obtain a consolidation loan. They include, re-mortgaging, secured and unsecured loans.

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Home Finances


Sequestration is the Scottish legal term for bankruptcy. Bankruptcy is often considered the last resort for people with serious debt problems especially if you have a property to protect. There are other solutions which can protect your property and allow you to repay your debt in affordable monthly instalments.

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icon-ppiMis-sold PPI

Although Payment Protection Insurance (PPI) was sold with credit agreements to protect both you and the lender, many people who have been paying for PPI who don’t have the protection they thought they had. Despite the millions of pounds already paid out in compensation, many people have yet to make a claim. for mis sold PPI.

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icon-saving-moneySave money on your household bills

Looking to save money on your household bills or insurance to cover your family or home? Switching suppliers for your utilities is quick and easy and comparing life insurance quotes from a panel of top life insurance companies can save you a lot of money each month.

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Taking part in our FRESH START programme really won’t cost you a penny and could save you hundreds of pounds each year and you will be able to keep more of your money in your pocket each month.


To find out more about becoming debt free you can:



Download our free debt help guide by completing the short form above.

Forward your details to us by completing our contact form and we will call you back.

Ring us on 0800 011 2322 (free from landlines) or on 0141 942 9700 to discuss your situation with one of our fully trained advisors.

Debt Advice, Debt Help & Debt Management in Scotland

Debt Advisory Services (Scotland) Limited can help point you in the right direction, providing you with friendly, professional and confidential advice when you need it most.