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based on what's best for you

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i The advice on this page applies to residents of Scotland only.

Debt advice in Scotland. All you need to know.

Wherever you live in Scotland, StepChange Debt Charity Scotland is here to help you. We provide free debt advice tailored to your individual circumstances.

How we can help you

Whatever your situation, our expert advisors will be able to help. We’ll look at your individual circumstances, work out a manageable budget and provide you with specifically tailored advice that will help you deal with your debts and get you back on track.

You can call our free helpline and we’ll take some initial details from you and book you an appointment with one of our Scottish debt advisors.

Or why not complete our online Debt Remedy tool, which gives you help with your debts in just 20 minutes. Our advice will be specifically tailored to your situation and in line with Scottish debt law.

Your patience and kindness is beyond words. -Janet, Ayr
Hear more from our clients

Debt Solutions

There are a variety of debt solutions available to help deal with your debts. Our experienced advisors will find exactly the right one to fit your situation. You can find out more about the solutions available below.

Debt management plan (DMP)

Our DMPs are a completely FREE and available nationwide. You make one affordable monthly payment to us each month and we distribute this fairly to your creditors.  Our DMPs give you the peace of mind that every single penny you pay to us is going towards repaying your debt. To find out more about how our DMPs work visit our DMP page.

Debt Arrangement Scheme (DAS)

These are run by the Scottish Government and, with the help of an approved money advisor, allow you to repay your debts through a debt payment programme (DPP). You make one monthly or weekly payment to your creditors. While the DPP is in place your creditors can't take any further action against you. Find out more about DPPs under the Debt Arrangement Scheme.

Trust deed

Trust deeds are a legally binding arrangement between you and your creditors, where you repay your debts over a 4 year period. During this time you make one monthly payment and at the end of the 4 years any remaining debt is written off. Find out more about trust deeds.

Bankruptcy (sequestration)

Bankruptcy is a form of insolvency and is normally only suitable if you can’t pay back your debts in a reasonable time. Assets you own, such as your house or car, will usually be sold to pay off your debts. This means if your assets are worth more than your debts, or if all of your regular payments are up to date and you can afford to keep paying them, bankruptcy is unlikely to be the best option for you.Find out more about sequestration.

Bankruptcy (LILA)

LILA stands for ‘low income low asset’ and is a form of bankruptcy that’s available for people with a low income and who don’t own any high value assets (such as property or cars). If you qualify, a LILA bankruptcy will write off your unsecured debt. LILA bankruptcy is only available until 31 March 2015. Find more information on the criteria for a LILA bankruptcy.

Minimal Assets Process (MAP)

MAP bankruptcy is a way of writing off debts you can’t afford to pay. MAP bankruptcy is a new solution that will be available from 1 April 2015.

Key MAP facts:
  • To qualify you must owe between £1,500 and £17,000
  • To apply for MAP you need to pay a fee of £90
  • MAP will be logged on your credit file for 6 years

Find out more about minimal assets process (MAP) bankruptcy

Equity release

 Equity release can help free up money that is tied up in your home so you can improve your financial situation, without the need to move. We have our own equity release advisors who can guide you through the process. Our equity release information will give you more details on how this works and whether you qualify.

Temporary repayment plan

If you can't afford to pay your creditors, you may have to arrange a temporary repayment plan. You make a small payment towards your debts, as a token, to show you’re willing to deal with your debts but can’t afford to pay them. This isn’t a long term solution, but to find out more you can read our information on temporary repayment plans.

Settlement offers 

If you have a lump sum of money or an asset, for example a property, a car or savings, you may be able to use these to help clear your unsecured debt. You can find out more about this by reading our settlement offers information.

Debt consolidation

Debt consolidation is when you take out one large loan to repay all of the other debts you have. This can be a risky solution to your debt problem. If you're considering this option, read more about debt consolidation.

Remortgaging

This is when you get a new mortgage to give you extra money to repay your debts. There are lots of different things to consider before you remortgage. Find out more about remortgaging.

Need debt help in Scotland?

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Freephone, including all major mobile networks*0800 138 1111 Or request a call back

Who we are

We have expert advisors who specialise in giving free debt advice to people living in Scotland. Our office on Mitchell Street in Glasgow was opened in 1997. In 2013 we moved to an office on Bothwell Street in Glasgow where we deal with thousands of new clients every year.

Whether it’s talking about how to improve your situation or dealing with your debts through a DAS, our Scottish debt advisors are there to make sure you have the information and support that you need.

Creditor action in Scotland

Received a summons? Not sure what diligence is? Trying to work out what your creditors can and can’t do is often the most stressful part of being in debt. The important thing to remember is not to panic. Whether it’s a phone call or a letter from the court, we can help.

If you’re worried, you can read our step by step guide on the what your creditors can do. This easy to follow advice will let you know what you can expect, and what your creditors can and can’t do.

Helping you become debt free...

"I wish to thank your staff for all the great help they gave me when I was in so much debt. They were a pillar of support to me." (Leslie, Essex)

StepChange Debt Charity logo

Foundation for Credit Counselling (trading as StepChange Debt Charity) is a company limited by guarantee registered in England and Wales (Company No: 2757055 ) and a charity registered in England and Wales (Registered Charity No: 1016630). Registered office: Wade House, Merrion Centre, Leeds, LS2 8NG. Consumer Credit Counselling Service (Scotland) trading as StepChange Debt Charity Scotland is a company limited by guarantee registered in Scotland (Company No: SC162719) and a charity registered in Scotland (Registered Charity No:SC024413). Registered office: 33 Bothwell Street, Glasgow G2 6NL. Authorised and regulated by the Financial Conduct Authority.

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