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?

Our Vision

Our vision is ‘Empowering People’.

This vision starts in our workplace, where Advice Direct Scotland is fully committed to delivering the principles of Fair Work First. 

Fair Work is work that offers all employees an effective voice, opportunity, security, respect, and fulfilment. 

Advice Direct Scotland employs policies which support a positive, inclusive working environment where the skills and talents of our employees are realised. We ensure that all of our employees are supported, encouraged and empowered to achieve their potential through guided professional and personal development in our SQA-accredited Training Academy. As Scotland’s first contact centre to achieve the Living Wage accreditation, we are immensely proud of our commitment to fair and equal pay. Our status as one of only approximately 30 UK organisations currently operating a “Four Day, Same Pay” working week, ensures our staff have an unparalleled work/life balance. We are also committed to the principles of equality and opportunity, promoting diversity for all in employment, training, service provision and within decision-making structures. We aim for our employees, managers, board, and service users to be truly representative of all sections of society. All staff are assured that they have an effective voice and are engaged and valued as members of our organisation. We positively recognise trade union membership. 

Our experience in designing and delivering the latest iteration of the Workplace Equality Fund on behalf of the Scottish Government has only served to bolster our understanding of and commitment to fair work practices. As part of this contract, we work alongside almost 30 organisations across the private, public and third sectors to embed and disseminate Fair Work First practices throughout Scotland.

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.
Play Video

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 are 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.