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
Protected trust deeds are only available in Scotland and are a legally binding arrangement between you and your creditors, where you repay your debts over a four year period. During this time you make one monthly payment and at the end of the four years any remaining debt is written off. Find out more about protected trust deeds
Sequestration is only available in Scotland and writes off debts you can't repay in a reasonable time. But it has a lot of consequences which you need to consider carefully. Find out more about sequestration
Our DMPs are free and are available nationwide. You make one affordable monthly payment to us and we distribute this fairly to your creditors. Find out more about our DMPs
A MAP bankruptcy is only available in Scotland and is a way of writing off debts you can't afford to repay but you must meet certain conditions to be eligible. Find out more about MAP bankruptcy
A token payment plan offers temporary breathing space by making small payments to your debts to show you're willing to pay but can't afford to for the time being. Find out more about a TPP
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. Find out more about settlement offers
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. Find out more about debt consolidation
Equity release can help free up money tied up in your home so you can improve your financial situation, without the need to move. Find out more about equity release
Specialist advice, including remortgaging to give you extra money to repay your debts. There are lots of different things to consider before you remortgage. Get mortgage advice
We can help you learn how to increase your income, provide tips on reducing your spending and help you to take control of your finances. Budgeting and money advice
Debt collectors can visit your home, email, phone, or write letters to you to request you repay your debts. Legally they can’t force payment, so their rights end at sending you reminders for payment. The debt collection process What your creditors can do Sheriff officers’ rights and powers
For debts regulated by the Consumer Credit Act, the creditor must have already sent you a default notice and given you at least 14 days to reply before starting court action. If you owe up to £5,000: you’ll get a document from the court called a ‘simple procedure notice of claim (form 6A)' If you owe more than £5,000: you’ll be sent an ‘initial writ’ What to do if you've received a claim How to deal with Council Tax arrears What is diligence? What is a court decision or decree?