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I’ve received an Earnings Arrestment Order - what next? Coins Lined Up

I’ve received an Earnings Arrestment Order - what next?

An Earnings Arrestment Order (EAO) allows the court to collect money from your wages in order to repay debts that you owe. These payments are deducted from your monthly salary until your debt is paid...

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How long does a trust deed last in Scotland? Trust Deed Vs Deed Of Trust wp

How long does a trust deed last in Scotland?

Scottish trust deeds offer a way out from serious debt, and the chance to rebuild your financial life once the trust deed term has ended. They’re a debt solution that’s only available to residents...

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What is moratorium on diligence or moratorium protection? Man In Need Of Help

What is moratorium on diligence or moratorium protection?

If you finding it difficult to repay one or more of your creditors, and need more time to consider your options without the threat of legal action, you can now apply to the Accountant in Bankruptcy (A...

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How to consider what is the right loan for you Loan Agreement

How to consider what is the right loan for you

In choosing the best loan for you, consideration should be given to a number of factors, including the loan term, interest rate and your borrowing limits. Although you’ll probably have an idea of th...

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The role of a Money Adviser in a Debt Arrangement Scheme (DAS) A Money Adviser

The role of a Money Adviser in a Debt Arrangement Scheme (DAS)

The Scottish Debt Arrangement Scheme, or DAS, is a debt solution that allows you to pay off unsecured debts without having to declare insolvency.

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Gambling addiction – what help is available in Scotland? Gambling triple 7

Gambling addiction – what help is available in Scotland?

Because it’s highly addictive, gambling on even a small scale can turn into an addiction that takes over your life. The fact that it’s also easily accessible online now only serves to exacerbate t...

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Is there a link between personal debt and mental health? Mental health links

Is there a link between personal debt and mental health?

Problem debt does not happen overnight. What may start as a niggling worry over how you are going to meet your next monthly payment, can quickly escalate into sleepless nights, and unfortunately for s...

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Can I keep PPI compensation if I’m in a Debt Arrangement Scheme? PPI Money When In Debt

Can I keep PPI compensation if I’m in a Debt Arrangement Scheme?

The Payment Protection Insurance scandal of recent years has led to hundreds of thousands of people making claims for compensation relating to financial products they were mis-sold.

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Is a Trust Deed or Sequestration public knowledge? Register Of Insolvencies

Is a Trust Deed or Sequestration public knowledge?

Entering a Trust Deed or Sequestration (Bankruptcy) will be recorded on the Register of Insolvencies which is publicly accessible, including these details.

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How does debt affect benefits in Scotland? Benefits Piggy Box

How does debt affect benefits in Scotland?

Universal Credit (UC), Housing Benefit, and the Council Tax Reduction Scheme are just three types of benefits in Scotland but what happens if you're in debt?

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What are the options for dealing with debt in Scotland? Dealing With Debt

What are the options for dealing with debt in Scotland?

Scotland has a number of formal debt solutions that can help you deal with a difficult financial situation.

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What is a trust deed inhibition? Judge Writing On Paper In The Courtroom

What is a trust deed inhibition?

Inhibition in Scotland is a type of ‘diligence’ or debt enforcement that involves obtaining an order of the court. It protects creditors’ rights to be repaid should property or land owned by the...

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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

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.

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