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).
Mum and son

Download our free guide to dealing with debt in Scotland

If you’re worried about paying your bills, you’re not alone. We’ve put together a free, downloadable guide to help you deal with your money worries. 

Our guide covers debt collection processes, where to get help, budgeting and what to expect from a debt advice session. It’s available to download in English, Urdu, Punjabi and Polish.

Download your guide to debt in Scotland here

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’ve 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’re here to support you for as long as you need us.

Need debt help?

Get free, confidential debt advice online. We’ll 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'

How we help

"After getting advice from StepChange, my whole life changed and I’m now stress free."
- Bill, Perthshire

More clients' stories