It also provides information for getting in touch with a number of Scottish charities that provide debt advice – StepChange Debt Charity Scotland, Citizens Advice Scotland, Christians Against Poverty, Macmillan and Shelter
The English printed copy of the Guide is available to be distributed free of charge to any interested organisations or groups, who can get in contact via our website.
The digital edition of the Guide, which is also available in Urdu, Polish and Punjabi, can be downloaded from our website.
Sharon Bell, Head of StepChange Scotland, said:
“At a time of financial uncertainty for many, it’s vital that as many people as possible are aware of the free, impartial services available to help them with their financial issues.
"The Scotland Debt Guide comes at a time when one in five Scots are using credit to make ends meet, with further difficulties on the horizon with the end of Coronavirus support measures and the £20 cut to Universal Credit. As more Scots find themselves in need of support from a free debt advice charity, the Scotland Debt Guide will provide them with a clear starting point on the road to recovery.
"Taking the first step to pick up the phone or go online to get help can often be the hardest but suffering in silence can often make things worse. As always, our advice to anyone in financial difficulty would be, get help and get it early.”