Check If You Qualify

Get the best Scottish Debt Help for a brighter future

  • Trusted & Approved Debt Help
  • Freeze Interest & Charges
  • Lower Monthly Payments
  • Write Off Debt You Can’t Pay

Scotland Debt Calculator

Get a rough indication of what your repayments might be under each of our different debt solutions.

Your Total Debt

£0 - £5,000

£5,000 - £10,000

£10,000 - £20,000


Your Employment Status

I am employed

I am self-employed

I am unemployed

I am a student

I am retired

Your Total Monthly Income

£0 - £1,000

£1,000 - £2,000

£2,000 - £3,000


What can you pay monthly towards your debt?

£0 - £100

£100 - £200

£200 - £300



Helping Scots in Debt since 1989

Scotland Debt Solutions is dedicated towards helping Scots in financial trouble. If you're struggling under the weight of unmanageable debt of over £5,000 and live in Scotland, we can help you.

Whether your debts have accumulated through no fault of your own, or your money problems are self-inflicted, it makes no difference to us. At Scotland Debt Solutions, we do not judge. We treat everybody the same and apply the same objective; to get you out of debt and back on the road to financial freedom. We have provided thousands of Scots with expert debt help and advice over the last thirty years, using our vast experience and expertise to help people just when they think they have nowhere left to turn.

About Us

Personal Debt Advice for Residents of Scotland.

If you’re struggling with credit card debts, sheriff officers, council tax, payday loans, mortgage arrears, employment issues, store cards or any kind of finance or lending, we are here to help. You can make an appointment at any one of our 5 offices across Scotland, or we can even come to see you at your home or other preferred location to discuss your current circumstances in a confidential manner and establish how to get you out of debt.

We can talk you through solutions such as Trust Deeds, Debt Arrangement Schemes and Sequestration (bankruptcy) and dispel some of the myths and stigmas surrounding these common debt management plans. We can work out which solution best suits your needs and answer any questions you may have, such as queries about whether your home is secure or how your credit rating will be affected.

For immediate and effective assistance with debt and how to put plans into place for a better future, contact Scotland Debt Solutions today. From our offices in Glasgow, Edinburgh, Dundee, Inverness and Aberdeen, we provide coverage across Scotland from Gretna up to the Highlands.



Check out our Useful Tools

Personalised Debt Report
Usp Planner

Personalised Debt Report

Our personalised debt report will help you better understand your financial position and see where your money is going.

Debt Report
Instant Scheduled Call & WhatsApp

Instant Scheduled Call & WhatsApp

Arrange a call with an expert advisor at a time to suit you or contact our team via WhatsApp for immediate help and advice.

Arrange Callback
Find a Local Office
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Find a Local Office

We have five offices located across Scotland. Find your nearest one here.

Find an Office

Our Impact

quote icon Since getting in touch with Scotland Debt Solutions, my relationship with money has completely changed. My debts are reducing every month and I can look forward to a time when I will be completely stress-free.” quote icon
Speak to a Debt Expert

Our Services

We can help you with...

Business Debts
Icon Briefcase

Business Debts

Whether you are a sole trader or a limited company director, we can help you work through your current financial problems including money owed to HMRC

Business Debts
Debt Arrangement Scheme (DAS)

Debt Arrangement Scheme (DAS)

A Debt Arrangement Scheme (DAS) lets you pay off your debt through a series of manageable instalments over a reasonable length of time.

Find out More


Sequestration is the Scottish version of bankruptcy and may be suitable for you if you do not have the money to pay back your debts

Find out More
Trust Deeds in Scotland

Trust Deeds in Scotland

A Trust Deed involves making a monthly contribution to your debts for up to four years. After this time any remaining debt included in the Trust Deed will not need to be paid.

Find out More

Get Help

Common Debt Issues

Just some of the issues we can help you with

Overdraft Debt
Household Expenses

Overdraft Debt

Store & Credit Cards Debts
Stack Of Credit Cards

Store & Credit Cards Debts

Council Tax Arrears
Couple working out household debt

Council Tax Arrears

Mortgage and Rent Arrears
Rental House

Mortgage and Rent Arrears

Personal Tax Debts
Teenage Debt

Personal Tax Debts

Car Payments
Car Parking Fine on Windscreen

Car Payments

County Court Judgment
Court Order

County Court Judgment

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We now do home visits

If you would prefer a meeting in the comfort of your own home, we are happy to arrange a date and time convenient for you no matter where in the country you are based.

Book a home visit

Debt Report

Get your instant Debt Report today

Find out which debt solution is best for you

Our debt report is completely easy to use and is a great starting point for anyone with over £5000 of debts looking to take control of their debt issues. By providing us with details of your incomings and outgoings we can suggest the most appropriate way forward for you.

Get Your Report
Debt Report V2


Why Choose US

Usp Location

5 Offices in Scotland

National Coverage

Usp House

Ask us About

Home Visits

Usp Award

Fully Regulated Advisors

From a Reputable Firm

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Helping Scots Get

Out of Debt Since 1989

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Speak Direct With

A Qualified Adviser


We Don't Operate

Call Centres

Inverness Aberdeen Dundee Glasgow Edinburgh

Find your local office

We have offices in Aberdeen, Dundee, Edinburgh, Glasgow & Inverness. Contact your local office now, for your initial consultation and advice.

Our Insolvency Practitioners are regulated by ICAS or the IPA and our firm is authorised and regulated by the Financial Conduct Authority

Fees and Information: There are fees associated with our services. These will be fully explained before entering into any of the personal debt solutions referred to on this website. Full details of our fees and how these are charged are fully explained to you prior to you committing to any particular service.

ICAS Insolvency Practitioners