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Kirkcaldy Personal Debt Advisers & Licensed Insolvency Practitioners

Sharon McDougall

Telephone: 0800 0639 250


Sharon is the first port of call for the Kirkcaldy area. She will be with you every step of the way from initial phone call to finally getting your finances in order. She is a DAS-approved Money Adviser with vast experience, helping clients in financial difficulty for over 10 years. She is renowned for being a knowledgeable and considerate debt-help specialist.

People living in Kirkcaldy who are struggling with personal debts can take control of their future by saying ‘no more’. There are a number of debt-help centres that offer free, impartial advice to people just like you including your local Fife Council (03451 55 55 55) department that can provide guidance on money issues. For more specialist advice, you can also contact Scotland Debt Solutions for expert advice across a range of personal debt issues.

Since 1989, Scotland Debt Solutions has helped thousands of Scots with individual debts – including plenty of people in the Kirkcaldy and surrounding Fife region. Our nearest office is in Edinburgh and the short drive across the Forth Road Bridge is a regular journey for our specialist team who often meet with individuals in Kirkcaldy in their homes or location of their choosing.

We don’t judge how or why people have got into debt; we simply try and find you the best way out which can sometimes involve some short-term sacrifice for long-term financial freedom. Maybe you’ve got into a mess with payday loans or spent too much on credit cards in the Mercat Shopping Centre… or perhaps you’ve been laid off work or been unable to secure a regular income. Whatever your circumstances may be, we are here to help.

There are various debt-management solutions that might be available to you, depending on your financial situation. The most common procedures are Debt Arrangement Schemes,  Trust Deeds and Sequestration (bankruptcy). We can explain how these solutions work through a free consultation in a confidential setting and help determine which route will be best suited for your needs.

We understand how soul-destroying life can be when it feels like a constant battle of avoiding creditors. Unfortunately, a head-in-the-sand approach will only make matters worse. You can take your first steps towards rebuilding your credit rating and a debt-free future by contacting Scotland Debt Solutions today; we have specialist debt advisers in the Kirkcaldy and Fife region who can talk with you today.

Why Choose Us?

  • Speak direct with a qualified adviser
  • We do not operate call centres
  • 5 Offices in Scotland - National Coverage
  • Home visits also available
  • Fully regulated advisers and Reputable Firm
  • Helping Scots Get Out of Debt Since 1989
Our Insolvency Practitioners
are regulated by ICAS or IPA

5 Regional Scottish Offices

Home Visits also Available

Contact Form - Kirkcaldy

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Client Testimonials


Four years ago I had bailiffs at my door and my landlord wanted me out on the streets. I had my head in the sand and just buried myself away from bad news, meaning I ignored creditors and my debts kept escalating with late fees, surcharges and penalties. A friend told me about Scotland Debt Solutions and within two weeks I was getting my life back on track.

I am now debt-free and thanks to an upturn in my credit score I now have my own home - something I couldn't have envisaged four years ago.


I had pre-conceptions about going bankrupt and thought it would be the worst possible thing that could happen, but entering into a bankruptcy (sequestration) procedure with Scotland Debt Solutions has proved to be a massive turning point for me. I paid off some of my debts through a structured repayment plan and the rest were written off.

Within 12 months I was discharged from sequestration and able to start moving on with my life and building my credit score again.

Our Insolvency Practitioners
are regulated by ICAS or IPA

Contact our Kirkcaldy Office on 0800 0639 250