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Out of Debt Since 1989

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.

Sharon McDougall Square

Sharon McDougall

Debt Adviser

Call: 0800 0639 250

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Sheriff Officers

Being chased for debt can be a daunting and deeply worrying time and at Scotland Debt Solutions we see this all too often. The pressure applied by debt collection agencies and Sheriff Officers through their constant deluge of communication – whether it be letters through the door, phone calls, or even attempting to contact you at work – can border on harassment. Thankfully, you can turn to us for advice and support. Whether you’re struggling with your council tax payments or any other personal debt issue, rest assured that we can help. Contact us today to arrange an immediate consultation with you at your convenience; either on the phone or via a confidential meeting.

What are secured loan arrears?

If you have secured loan arrears, such as a loan secured to your home, the finance provider is entitled to apply for a court order (such as a decree) which will force you to sell your home enabling them to get their money back. Secured loans are usually offered a low rates of interest due to the lender having the security of an asset being held against the loan should things go wrong; i.e. should you be unable to keep up with repayments. If you’re in a situation where you’re missing secured loan payments, contact our team today for free and confidential advice.

What happens if I have Divorce Debts?

If your relationship has broken down and you’ve been left in a precarious financial situation due to divorce debts, you can speak to a Scotland Debt Solutions adviser for free advice. We’ve helped thousands of people over a 30-year period who have suddenly experienced a change in their financial circumstances due to dramatic changes in their lives. The legal costs of a divorce can quickly spiral, leaving you with nothing left. For compassionate and confidential advice, contact us today.

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

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.

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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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We now do home visits

If you would prefer a meeting in the comfort of your own home, we are happy to arrange a date and time convenient for you no matter where in the country you are based.

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

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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

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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


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