Debt is something that will affect everyone in some way or another in their lifetimes. While for many paying bills such as council tax, utilities bills and loan repayments is easy, for many people throughout Scotland, debts can quickly pile up.


It is always best to take control of your financial situation and seek professional advice before your debt begins to spiral out of control. There are a number of debt solutions available exclusively to Scottish residents. Many of these have been introduced or amended by theScottish government over the last decade in order to help Scots stay in control of their finances.

Some of the debt solutions that may be available to you are:

Which each debt solution is different, they are mostly designed to help you pay off your debt while guaranteeing you keep enough of your income to keep the lights on and put food on the table. Some of the debt solutions also allow your unsecured debts to be wiped clean after a few years.

Each debt solution has its own set of advantages, disadvantages and eligibility requirements, so make sure you get out of debt in the way most suited to your current situation.

Don't be afraid to get free independent advice

Just because you know that these debt solutions are available, doesnʼt mean you should wait until the last minute to clear your debts. We offer free advice and you can request a callback 24/7, so if you ever start to worry about how you are going to make ends meet due to mounting debts, please get in touch.

If you are struggle to pay off Council Tax arrears, for example, the earlier in the process you get in contact with us the more we can do to help.

We understand that it can be compromising to expose details of your financials to a stranger, but you can be confident in the fact that our knowledgeable advice team is not here to judge, but to offer practical and personalised debt advice to those that need it.

Your Credit Score

If you are in debt and need help there is a good chance your credit score has already been negatively affected. Some of the debt options above will affect your credit score. If you want to know more about how your credit score will be affected under a particular debt solution, please ask a member of our debt advice team during your callback.