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8am to 8pm Monday to Sunday

Livingston Personal Debt Advisers & Licensed Insolvency Practitioners

Sharon McDougall

Telephone: 0800 0639 250


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.

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 - Livingston

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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 Livingston Office on 0800 0639 250