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When you’re struggling to repay debt it’s difficult to know how to deal with debt collectors, particularly if they take an aggressive approach. Find out more.

The coronavirus pandemic has left thousands across the UK redundant or in unsecure jobs. How can individuals in Scotland find employment or new roles in 2021?

The Scottish Parliament have agreed to extend coronavirus temporary measures until 31 March 2021, offering greater access to personal debt solutions and protection for individuals in financial difficulty during Covid-19.

The coronavirus pandemic has resulted in the Scottish justice system to restrict the amount of business entering the courts to comply with public health guidance to control the spread of the Covid-19 virus.

The Scottish government introduced new measures to help people in debt due to coronavirus, extending the notice period for evictions and encouraging business creditors to offer help and support to their customers.

Due to the coronavirus pandemic, mortgage lenders have expanded access to mortgage payment holidays for customers experiencing financial difficulty.

Coronavirus has caused severe financial difficulty for people in Scotland and around the UK, with job losses and ill health creating sudden and devastating loss of income.

The devastating economic effects of COVID-19 have created severe financial problems on an individual and household level, and mortgage payment holidays have been crucial in preventing widespread home repossessions.

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 is deferred for as long as 12 months.

Scottish Trust Deeds help people in serious financial difficulty to repay a proportion of their debt and avoid having to enter sequestration.

When you enter sequestration you may have to make monthly repayments to your creditors from your residual income, in addition to handing over all your assets to the Trustee.

The Accountant in Bankruptcy (AiB) administers official debt procedures in Scotland, which include the debt payment plans that are a central part of the Debt Arrangement Scheme (DAS).