If you’re getting married and are worried about what happens to your personal debts, initially you need to consider whether the debts are in your name only, or are joint with your partner – this d...
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When you enter sequestration, your assets are placed in the control of a Trustee who will seek to realise as much money as possible from them in order to pay your creditors.
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Buy-now pay-later is a type of credit that offers a deferred period during which you don’t have to make any payments. This could be for a month or longer – sometimes the first payment on an item i...
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If you’ve entered into a Scottish trust deed or any other personal insolvency procedure, and are worried about how you’re going to manage the bills, making a budget is one of the most important st...
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The steep decline of the oil and gas industry in Aberdeen severely affected contractors when the price of crude oil dropped dramatically in 2014. Although prices have risen since then, unfortunately j...
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The car finance market has exploded in recent years, with financial experts expressing concern that this type of borrowing could end up being the next ‘debt bubble.’
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When a company is wound up it means it permanently closes down, and creditors repaid as far as monies allow. The winding up process in Scotland is set out in the Insolvency Act, 1986, Sections 122-124...
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Debt consolidation combines various debt payments into a single monthly repayment. It is designed to make your total debts more affordable, and their management easier. A debt consolidation loan can b...
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Her Majesty’s Revenues and Customs (HMRC) is one of the biggest creditors in Scotland, and indeed across the rest of the UK.
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When you’re in serious debt and can’t see a way out, it’s important to know your rights and how the situation may affect you.
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If you have built up debt from gambling, you may be able to write off part or all of the debt via a formal Scottish insolvency route.
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The nature of sequestration means that your husband or wife’s assets are placed under the control of a trustee.
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Our Insolvency Practitioners are regulated by ICAS or the IPA and our firm is authorised and regulated by the Financial Conduct Authority
We have FCA authorisation for advice relating to Debt Arrangement Schemes and we are regulated by the ICAS and IPA when giving advice as an insolvency practitioner leading to our appointment in formal insolvency proceedings
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.