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Personal Debt Advisers & Licensed Insolvency Practitioners

Speak to your local, Licensed Practitioner

If you live in Galashiels then you are only 35 miles or so away from the Scotland Debt Solutions office in Edinburgh. You can call the Scottish Borders Council for money advice on 01896 661 394 but we offer specialist services focussed on helping people cope with, and overcome, their debt management problems. You can reach us by rail in less than one hour or by car you can make the journey along the A7 to the capital in just over 60 minutes. Alternatively, one of our advisors can arrange an appointment with you at your home.

Sharon McDougall Square

Sharon McDougall

Debt Adviser

Call: 0800 0639 250

Our advisors understand how difficult it can be to live with onerous personal debts for months and years without any end in sight. It can be extremely stressful, particularly when creditors are applying consistent pressure for repayments you can’t afford. What we can offer people in these situations is expert guidance on what solutions are available. In Scotland, that usually means detailing the processes involved with Trust Deeds, Debt Arrangement Schemes and Sequestration.

However you have come to find yourself with insurmountable debts, whether through overspending on credit cards or unsustainable use of payday loans, what matters is what you do next. It’s important not to let your debt problems simply get worse and worse. Reaching out for help is often the first step towards a brighter financial future and we can give you the support you need in taking positive action.

If you can reach our office in Edinburgh then one of our advisors will be able to give you a free and confidential consultation. Or if you’d prefer then one of our experts can come out to Galashiels or wherever you are in the Scottish Borders and meet with you to discuss the debt issues you’re facing and how to start taking steps to resolve them.

If you have been issued a Council Tax Arrear or Wage Arrestment (also mentioned as Earning Arrestment Orders), we have services to provide free advice on what your rights are as a Scottish citizen, as well as actions you may be able to take.

Our free debt helpline numbers is 0131 203 3415 and we also have offices in Inverness, Glasgow, Dundee and Aberdeen in addition to our Edinburgh office.

We'll give you a call

Our Scottish based team can help advise you on your debt problems.

Here at Scotland Debt Solutions we take your privacy seriously and will only use your personal information to contact you with regards to your enquiry. We will not use your information for marketing purposes. See our Privacy Policy.

The team

Meet our qualified Scottish based team

100% Confidential Advice

Chelsea Williams Thomas Mckay Kelly Jones Tannock1

Debt Report

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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.

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Debt Report V2

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.

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Additional Debt 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