We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
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Download our free guide to dealing with debt in Scotland

Lots of our clients worry about paying bills. You are not alone. Our free, downloadable guide can help with money worries.

Our guide covers:

  • Debt collection processes
  • Where to get help
  • Budgeting
  • What to expect from a debt advice session

It is available to download in English, Urdu, Punjabi and Polish.

Download your guide to debt in Scotland

Click on the link to download the guide (PDF) in the language of your choice.

In English

Download now  

In Punjabi

Download now  

About StepChange Debt Charity Scotland

We have been supporting people with their money worries for 30 years. We are approved money advisors, providing free debt advice and support, in line with Scottish law, from our head office in Glasgow.

Wherever you live in Scotland, we can support you for as long as you need us.

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Josh on Feefo says:

"So thankful. I wasn't expecting it to be so accessible and easy to get help managing my debt. Absolute life savers!"

Get help like Josh

Need debt help?

Get free, confidential debt advice online. We will ask you about your financial situation and recommend solutions tailored to you.

Get started now

Campaigning for you

We campaign on behalf of our clients for a society free from problem debt. Read our latest report based on our clients’ experiences

'Scotland in the Red'

Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.

"Really helpful and understanding."

"Without being patronising. They explain the facts but never advise what you should do. You take control of your life. A life line for many!"

Sarah, Feefo review