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Personal Tax Debts

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Out of Debt Since 1989

Personal tax debts can occur for numerous different reasons. In many cases, we deal with sole traders who haven’t budgeted effectively for their self-assessment tax returns, or people who have accepted a cash windfall but haven’t prepared for the tax due. In recent times, we’ve helped hundreds of contractors and individuals made redundant from the oil and gas sector across Aberdeenshire and surrounding areas.

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Sharon McDougall

Debt Adviser

Call: 0800 0639 250

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What options are available when facing personal tax debts?

If you’re struggling with HMRC arrears of a personal nature and do not have the means to pay, you can attempt to reach an informal agreement with HMRC to allow you more ‘Time To Pay’. By discussing your situation with them, they may be more amiable when it comes to providing a more comfortable repayment structure. If you put your head in the sand and avoid their letters and phone calls, there’s a good chance of them refusing any requests.

If your personal debts are of a substantial nature, a formal insolvency procedure may be the best option to take. There are three main types of formal debt management processes in Scotland; these are:

Debt Arrangement Scheme

A Debt Arrangement Scheme is a debt management tool designed to help people repay their debts over an agreed amount of time without the threat of legal action. Creditors cannot block the scheme if it is fair and reasonable.

Trust Deed

A Trust Deed is a legally binding voluntary agreement which allows your Trustee to take over responsibility for dealing with your creditors. In this instance, you would stop paying HMRC and, instead, you pay your Trustee whatever surplus income you have left over a fixed term – usually 48 months – until the debt is repaid or the term is over, whichever happens first.


Sequestration is a form of insolvency that results in a person’s assets being transferred into the control of an appointed Trustee so that they can be used to satisfy creditors to the greatest extent possible. The term Sequestration itself means much the same as bankruptcy in other parts of the UK.

For personal debt issues that you feel are spiralling out of control, your best course of action is to contact us as soon as possible and a regulated Scottish money advisor can talk with you completely free of charge at your convenience. We have five offices across Scotland; these are in Aberdeen, Dundee, Edinburgh, Glasgow and Inverness.

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Common Debt Issues

Just some of the issues we can help you with

Overdraft Debt
Household Expenses

Overdraft Debt

Store and Credit Cards Debts
Stack Of Credit Cards

Store and Credit Cards Debts

Council Tax Arrears
Couple working out household debt

Council Tax Arrears

Mortgage and Rent Arrears
Rental House

Mortgage and Rent Arrears

Car Payments
Car Parking Fine

Car Payments

County Court Judgment
Car Parking Fine on Windscreen

County Court Judgment

Other Common Debts
Court Order

Other Common Debts

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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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Find a Local Office

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

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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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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