Other Common Debts

Having helped thousands of Scots over three decades, we have a firm understanding of the most common debts that people are facing – from credit cards and council tax to payday loans and gambling debts.

Aside from the most common debts, here we discuss how to handle less familiar debts that still cause people huge concerns.

In recent years, payday loans have become an increasing problem with high accessibility – even through high street payday loan stores – but fail to repay the debt on time and you’re hit with high rates of interest that can quickly spiral out of control. We specialise in helping Scottish individuals struggling under the weight of payday loans.

What if I'm struggling with utility bills?

If you’re struggling with your gas, electric and water bills – or even just one of these utility bills – you could be in danger of being cut off by your supplier. Many utility firms have increased their rates in recent times which has caught numerous people off guard. If you have utility bill arrears, your house could be disconnected from these services and so you should communicate with the provider as soon as possible and try to agree a structured repayment plan. If you need assistance with utility bill debts, contact us and our team can provide free advice.

What support is there for gambling debts?

Gambling debts can suddenly overwhelm a person’s life; we’ve seen it all too often and we’re here to provide advice if your financial situation is in jeopardy due to addictive gambling. If you’re being chased by bookmakers or your gambling debts have had a knock-on effect in other parts of your life and you’re now falling behind with other payments, rest assured that our specialist debt advisers can provide a free, honest and confidential consultation. You may also wish to look support from the likes of https://www.gambleaware.co.uk.

What to do if facing child maintenance debts?

If you’re struggling with child maintenance debts, here’s what you need to know. It is up to both parents to maintain their responsibility of providing financially for their children but if you’re going through a divorce or separation, it is usually the parent who doesn’t have day-to-day care of your child, or children, who would be responsible for paying child maintenance.

If the Child Maintenance Service (CMS) or the Child Support Agency (CSA) have scheduled your maintenance payments and you fall behind with them, it is up to you to ensure these arrears are sorted as quickly as possible. Otherwise, they could take enforcement action against you in order for you to repay what is owed. They are entitled to recover arrears by taking money directly from your bank account or wages, or they may look to apply a court order. Either way,  you should speak to one of our specialist advisers as soon as possible if your child maintenance debts are spiralling out of control.