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Debt Problems

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HELPING SCOTS GET

Out of Debt Since 1989

Scotland Debt Solutions has over 30 years' experience in advising Scots struggling with personal debts – from credit cards and payday loans to council tax arrears and utility bills. Regardless of what is causing your financial problems, rest assured that there is qualified, expert advice available via a completely free initial consultation at your convenience.

In this section, we analyse the most common personal debts affecting people across Scotland. For many people, the most frequent debts are credit cards and store cards where a failure to keep up with minimum payments and interest added to the balance has left the debt spiralling out of control. But whether you face credit card debts or maybe something less common such as child maintenance debts or gambling arrears, we can still provide specialist advice.

Our advisers, based in five offices across Scotland – Aberdeen, DundeeEdinburgh, Glasgow and Inverness – are happy to meet with you at your local office or come to visit you to discuss your debt problems. We can quickly get to the root of the problem and provide you with options to tackle the debt, such as formal debt management plans which protect you from creditor pressure.

Sharon McDougall Square

Sharon McDougall

Debt Adviser

Call: 0800 0639 250

Scotland Debt Calculator

Get a rough indication of what your repayments might be under each of our different debt solutions.

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Scottish Debt-Help Solutions

Get FREE Advice Today

For over 25 years, the team at Scotland Debt Solutions has been dedicated to helping Scottish residents become debt free.

Our expert debt advice team provide a compassionate and knowledgeable sounding board to air your money concerns. In return, they can provide you with the best course of action to become debt free.

Through a free initial consultation, we can work out which procedure best suits your needs and answer any questions you may have. Common questions include concerns about ‘losing your home’ or ‘the affect on your credit rating’, for example. A specialist Scotland Debt Solutions adviser can talk you through each procedure and, based on your income and circumstances, devise the best route forward to a debt free future.

Our Services

We can help you with...

Business Debts
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Business Debts

Whether you are a sole trader or a limited company director, we can help you work through your current financial problems including money owed to HMRC

Business Debts
Debt Arrangement Scheme (DAS)

Debt Arrangement Scheme (DAS)

A Debt Arrangement Scheme (DAS) lets you pay off your debt through a series of manageable instalments over a reasonable length of time.

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Sequestration

Sequestration

Sequestration is the Scottish version of bankruptcy and may be suitable for you if you do not have the money to pay back your debts

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Trust Deeds in Scotland

Trust Deeds in Scotland

A Trust Deed involves making a monthly contribution to your debts for up to four years. After this time any remaining debt included in the Trust Deed will not need to be paid.

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Get Help

Common Debt Issues

Just some of the issues we can help you with

Overdraft Debt
Household Expenses

Overdraft Debt

Store & Credit Cards Debts
Stack Of Credit Cards

Store & Credit Cards Debts

Council Tax Arrears
Couple working out household debt

Council Tax Arrears

Mortgage and Rent Arrears
Rental House

Mortgage and Rent Arrears

Personal Tax Debts
Teenage Debt

Personal Tax Debts

Car Payments
Car Parking Fine on Windscreen

Car Payments

County Court Judgment
Court Order

County Court Judgment

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The team

Meet our qualified Scottish based team

100% Confidential advice

Sharon
Sharon McDougall Square

Sharon

Chelsea
Chelsea Williams

Chelsea

Kelly
Kelly Jones

Kelly

David
David Tannock

David

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Debt Report

Get your instant Debt Report today

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

Tools

Useful Tools

Personalised Debt Report
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Personalised Debt Report

Our personalised debt report will help you better understand your financial position and see where your money is going.

Debt Report
Instant Scheduled Call & WhatsApp
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Instant Scheduled Call & WhatsApp

Arrange a call with an expert advisor at a time to suit you or contact our team via WhatsApp for immediate help and advice.

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Find a Local Office
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Find a Local Office

We have five offices located across Scotland. Find your nearest one here.

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About

Why Choose Us

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A Qualified Adviser

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5 Offices in Scotland

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From a Reputable Firm

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Helping Scots Get

Out of Debt Since 1989

Inverness Aberdeen Dundee Glasgow Edinburgh

Find your local office

We have offices in Aberdeen, Dundee, Edinburgh, Glasgow & Inverness. Contact your local office now, for your initial consultation and advice.

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Glasgow

2 Bothwell Street, Glasgow, G2 6LU

The Team

Meet our qualified Scottish based team

100% Confidential Advice

Chelsea Williams David Tannock Sharon McDougall Square Kelly Jones

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

Resources

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