Sharon is the first port of call for the Livingston 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.
Residents in Livingston struggling under the weight of debt can take action by contacting local debt advice centres, completely free of charge. There is specialist help at hand and more often than not, people are unaware that the help exists.
You can contact your local council for general money advice – there is a department within West Lothian council that you can contact on 01506 280000. For those with high levels of debt that require expert debt management advice, you should speak to Scotland Debt Solutions – the nation’s leading personal debt advisers.
Scotland Debt Solutions help thousands of Scots get out of debt every year. From our nearest office in Edinburgh, the short drive down the M8 motorway to Livingston is one that our advisors regularly make to help individuals across the West Lothian region.
However you’ve amassed your debts; whether it’s through mortgage arrears or simply overspending on credit cards in The Centre, it’s crucial to realise that you’re not alone and you must put pride and stubbornness to one side in order to regain control of your finances.
We have seen all kinds of personal debt situations since we began helping Scots in debt back in 1989 and we can talk you through the relevant procedures that could help you become debt-free within one to four years – such as Trust Deeds, Debt Arrangement Schemes and Sequestration. These solutions are only available to people living in Scotland.
Our personal insolvency team are currently helping hundreds of people in the Livingston and surrounding West Lothian area every year – contact us on 0800 063 9250 for confidential advice. Find out more on how you can secure a debt-free future by contacting our specialist debt advice team at Scotland Debt Solutions.
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.