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Personal Debt Advisers & Licensed Insolvency Practitioners

Speak to your local, Licensed Practitioner

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.

Sharon McDougall Square

Sharon McDougall

Debt Adviser

Call: 0800 0639 250

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.

If you have struggled with Council Tax Arrears or Wage Arrestment Orders (also classed as Earning Arrestment Orders), our experts can offer support on discussing your options to find the right solution for you.

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.

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