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If you are struggling to meet repayments with unsecured debt such as loans, credit cards, store cards, council tax, rent arrears & overdrafts then we can help.
Our debt solutions are for Scottish residents who are struggling to meet debt repayments, borrowing more money to keep their head above water, have creditors imposing legal action or simply cannot find a way out of debt. Join Solutions Scotland in getting Scotland Debt free & find out what Solutions are available.
Find out what solutions are available.

A plan that could have you debt free in as little as four years, paying back what you can afford each month. As a Protected Trust Deed if a form of insolvency, debts that are not affordable to repay will be written off (up to 75% of unsecured debt can be written off). This option can include debts such as Council Tax Arrears, Rent Arrears, HMRC & DWP debts too.

The Debt Arrangement Scheme (DAS) was launched in 2004 by the
Scottish Government as a successful debt repayment programme that allows Scottish residents to repay their full debt over a manageable period of time, with the benefits of freezing interest & charges, protecting an individuals assets, preventing legal action. As of 4th November 2019, no individual in Scotland will be charged administration fees for a DAS, instead the creditor is charged any fees incurred by a Money Adviser.

This could be an option for you if you live in Scotland, have £1,500 or more of unsecured debt and are unable to pay your debts as they fall due. You cannot apply if you have been made Bankrupt in the last 5 years.
There is an application fee of £200 which is payable to the Accountant in Bankruptcy.

A plan aimed at people with a low income and not many assets, and is cheaper and more straightforward than sequestration (or full administration bankruptcy). You can only apply for MAP through an approved money advice organisation.