You said you are currently unemployed and not a home owner. If this is likely to change soon, or if you feel you can pay something towards your debts now, call us on 0141 648 4320.

If you can't repay anything towards your debt and don't expect this to change soon, you may be able to get a tailored solution and advice from StepChange Scotland on 0800 138 1111 (freephone including mobiles), or you can search for free money advice outlets in your area here.