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.
When taking out a joint loan, there are many things you need to consider. Signing up to a joint credit agreement is a huge commitment and it’s important to ensure you have all the facts before signing on the dotted line. While no one wants to think about a relationship breaking down, the truth is […]
If you’re looking to save some money it’s a good idea to make a detailed budget that lets you see where your cash is currently being spent, and offers an overall view of your finances. You’ll need to collect together your income and expenditure details, including annual costs such as insurance, car expenses, birthdays and […]
A trust deed is a common debt repayment programme based around a voluntary arrangement made between you, your creditors and a qualified independent trustee who takes control of your debt repayments for a typical period of four years. If you’re having difficulty paying your debts and have assets or a regular income, you may qualify […]
If you have built up debt from gambling, you may be able to write off part or all of the debt via a formal Scottish insolvency route. Not all insolvency solutions allow debts to be written off, but you may be eligible for a trust deed if you meet certain criteria, with sequestration also being a possibility […]
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.