Advisers are available to take your call now.

Free debt counselling, debt adjusting and providing of credit information services is available to customers by contacting MoneyHelper.

Scottish Debt Help & Advice

We know financial difficulties can be difficult to talk about. But once you get in touch with us, we can make it easier. We work with you to set practical and achievable goals. Let’s work together to reset your debt.

How it works

Get started

Take our short survey to find out if we can help you. If we can't we'll point you in the right direction.

Discover your options

Speak to one of our friendly advisers about your situation. We never judge. We only ever help you find a route forward.

Choose the best option

With some guiding advice from the team, you will be able to choose the option that works best for you.

Enjoy peace of mind

Enjoy peace of mind with a custom plan that's been designed especially for you.

Debt Solutions

Debt Arrangement Scheme

When debts become difficult to handle, the Debt Arrangement Scheme gives you the breathing space to repay your debts in full with one monthly affordable payment and interest frozen.

Protected Trust Deed

If you can’t afford to repay your debts in full, a protected trust deed allows you to repay what you can over an agreed period of time. Once completed, the remaining balance is written off.

Bankruptcy

Often people think of the word “bankruptcy” as too serious to contemplate. However, for those that need it, bankruptcy can offer a way to get back on track and start again.

Not sure which solution is right for you?

It’s time for Cleanslate