Good news!
We could help you get out of debt.

We offer a number of solutions that could help in your circumstances.

We’ll be in touch soon to help you decide on the best way forward.
If you prefer to call us, you can reach us on 0800 011 2322.

Your potential Debt Solutions include:

1. Debt 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.

2. Trust Deed

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.

3. Debt 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.

4. Debt 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 loan.

5. Bankruptcy

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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If you need confidential advice or help to quickly find the best solution tailored to your personal circumstances call us now on

0800 011 2322 or
0141 956 4088