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Free debt counselling, debt adjusting and providing of credit information services is available to customers by contacting MoneyHelper.
If not dealt with, mortgage arrears can become a real issue. In the worst case scenario, your home could be repossessed. That's why, if you're struggling with debt, it's important to seek advice quickly. We can help you get your finances back on track.
At Cleanslate, we offer advice on each of the formal debt solutions available in Scotland - the Debt Arrangement Scheme, protected trust deeds and bankruptcy.
The Debt Arrangement Scheme gives you the breathing space to repay your unsecured debts in full over an extended time frame. If you wish to, you can include mortgage arrears in this solution.
You cannot include mortgage arrears in a protected trust deed or a bankruptcy. However, if you have other debts, these solutions can still help you to regain control by focusing on the bigger picture.
In our experience, individuals often have pretty complex financial situations, building up debt from a variety of different sources. When you contact Cleanslate, we work with you to establish what you can afford to pay towards your unsecured debts (such as credit cards, loans, catalogues etc.), while also maintaining other bills you need to pay (such as your mortgage). By taking this 'bigger picture' approach, we focus on your full financial situation, instead of only fixing one piece in the puzzle.
In some debt solutions, such as a protected trust deed or bankruptcy, your home may be affected. If this applies to you, we will make sure you are aware of this.
Our team has helped thousands to get back on track with their finances. To find out if you could be next, get in touch today.