Kirkcaldy Personal Debt Advisers & Licensed Insolvency Practitioners
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.
Recent Articles
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6th March 2018If you’re worried that the council might take action against you for non-payment of council tax, entering into a Scottish trust deed can be a beneficial step. It stops legal action by all creditors included in the arrangement, and provides a ‘safe haven’ from which to regain control of your finances. As council tax arrears […]
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5th March 2018A debt payment programme (DPP) remains on your credit file for six years, along with other default markers and court judgments that have been made against you. This can seriously affect your ability to borrow for this period of time, and longer. Even if you can secure borrowing, lenders are only likely to offer unfavourable […]
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4th March 2018If you owe a debt of £5,000 or less, your creditor may send you a Simple Procedure Notice of Claim. This is a relatively new procedure that was brought in by the Scottish government and commenced on 28th November 2016 – their intention being to make it easier to resolve debt disputes. So if you’ve […]
What is a Bankruptcy Restriction Order? (BRO)
1st March 2018A Bankruptcy Restriction Order may be made against you if it’s believed that you acted dishonestly, recklessly or unlawfully before you were made bankrupt, or during your bankruptcy. Your Trustee will inform the Accountant in Bankruptcy (AiB), and if their suspicions are upheld, a BRO of 2-15 years can be made depending on the seriousness […]
Why Choose Us?
- Speak direct with a qualified adviser
- We do not operate call centres
- 4 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
4 Regional Scottish Offices
Home Visits also Available
Contact Form - Kirkcaldy
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 and our firm is FCA Approved
Contact our Kirkcaldy Office on 0800 0639 250
The firm is authorised by the FCA to undertake debt counselling and debt adjusting and its reference number is 660455 - Copyright 2018 - All rights reserved