We Are

Are you struggling to meet your current financial commitments?

We provide free information and support on a wide range of debt-related issues and are authorised and regulated by the Financial Conduct Authority (FCA). Our specialist debt advisers can work with you to assess your current situation, look at your income and outgoings, and consider what to do next. Approximately half a million people across Scotland are not claiming the financial support they are entitled to. You don’t have to be one of them. We’re here to help.

Who are we?

Services provide free, practical money and debt advice to the people of Scotland.
We can provide advice and information if you:

Have personal financial worries.

Sometimes talking things through with someone can help. Our specialist debt advisers are on hand.


Are struggling with

Don’t struggle alone with debt. By looking at our income, expenditure and debt levels, we can focus on improving our situation.


Need a way of getting back on track.

By assessing the levels of debt that we have and working out a plan, we can get back on track… Can Help!


Take A Tour Of Our Video Guide.

Use our video guides to help you understand your finances. Our experts are waiting to help you at any point.
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Debt Solutions

Sometimes, just talking things through and having a plan can help get us back on track.
There are a variety of solutions that can help if you are struggling with debt or have concerns about your finances.

Have personal financial worries.

Informal measures can be sought out to try and help pay off your debts.


Debt Arrangement Schemes (DAS)

A Debt Arrangement Scheme is a scheme that can help people repay their debts in…


Trust Deeds

A Trust Deed is a formal agreement between you and your Creditor(s) utilising a third party…



Sequestration’ is the name for the process of Bankruptcy in Scotland…


Minimal Asset Process (MAP Bankruptcy)

Minimal Assets Process, or MAP Bankruptcy is a form of bankruptcy that can used by…

We’re here to help!

Our team of specialist debt advisors are on hand to help you through any situation.
You’re not alone.

Knowledge Centre

Free information and support on a wide range of debt-related issues for the citizens of Scotland.

Do You Have Any Questions?

Feel free to contact us and we will get back to you as soon as possible.