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How can I get free debt counselling in Scotland?

  • Sharon McDougall -
  • 21st June 2022 -
  • 2 minutes to read

Free debt advice in Scotland

It’s important to know that free debt counselling is readily available in Scotland. In fact, obtaining specialist assistance is a vital factor in becoming debt free, and is just the start of your journey towards good financial health.

With so many debt ‘experts’ online, however, it can be difficult to know who to trust.

Scotland Debt Solutions – free, specialist debt advice

Scotland Debt Solutions is part of Begbies Traynor Group, and has been helping Scottish residents to overcome debt since 1989. We’re licensed insolvency practitioners, and can provide the independent, trustworthy guidance you need.

Our team offers a range of confidential services that provide support at a worrying time. The advice we offer is based on decades of experience, so what help can we give you and how do you access our services?

Free debt report

If you owe more than £5,000 of unsecured debt, we can provide a free debt report that helps you understand what your best options might be. All you have to do is go to our website, input the figures requested on the Debt Report page, and you can receive more tailored advice for your individual circumstances.

Partner-led team

Our partner-led team has more than 30 years’ experience of helping people out of debt. Our vast practical experience and technical knowledge of how Scottish debt solutions work means you receive unbiased, honest, and straight-talking debt counselling. 

Help with applications

Once we’ve identified the best way forward, we’ll support you in making the necessary applications. This could be for the Debt Arrangement Scheme (DAS), for example, a Scottish trust deed, or sequestration, which is the Scottish term for bankruptcy.

Negotiations with creditors

Some Scottish debt solutions require negotiations to be conducted with creditors in order to establish a new repayment plan. As licensed insolvency practitioners we’ll ensure you enter the correct programme for your level of debt and financial circumstances, and negotiate with creditors to establish new repayments.

Even if you only need to negotiate informally with a creditor – perhaps for a short-term reduction in your credit card payments, for example – we’ll get in touch with the provider/lender on your behalf.

Local offices around Scotland

We operate a network of five offices around Scotland – in Glasgow, Edinburgh, Dundee, Aberdeen, and Inverness. Our team also offers home visits. When you contact us initially, you’ll be assigned a dedicated point of contact so you have a named person to speak to at every stage throughout the process. To access our help and professional services, just give us a call or make contact via our website.

Free debt counselling for Scottish residents in debt

So what might we advise you to do? The main debt programmes in Scotland are:

Debt Arrangement Scheme (DAS)

The Debt Arrangement Scheme could help you repay your debts in full, but over a longer period of time than is currently allowed. This programme is typically suitable for people who owe £5,000 or more in unsecured debt.

Scottish Trust Deed

A Scottish trust deed offers protection from creditor legal action, and can last for four or five years. At the end of this time you’ll be debt-free, as any remaining amounts can be written off with this solution.

Sequestration

Sequestration is the term for bankruptcy in Scotland, and is usually entered into only when all other options have been exhausted. The process involves handing over your assets, including any property, to a Trustee, who sells them at auction for the benefit of your creditors.

To find out more about our free debt counselling, please contact our expert team at Scotland Debt Solutions and arrange a free, same-day meeting.

Sharon McDougall
Sharon McDougall
Manager
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5 Offices in Scotland
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Out of Debt Since 1989

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Personalised Debt Report

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Find a Local Office

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

OUR SERVICES

We can help you with...

Sequestration

Sequestration

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

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 will be wiped out.

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.

Business Debts

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

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