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Debt Help
in Scotland

How can we help you?

We know it's hard to know where to start with debt – or which Scottish debt solution you should choose. We listen, we never judge and we offer specialist, expert debt advice for Scottish residents.

Expert
advice

We offer you expert advice and help to find the solution which best suits your situation – we have over 20 years’ experience of helping people in debt.

Affordable
repayments

We'll make sure your repayments are realistic and will get you out of debt in the shortest possible time.

Personal
support

We'll support you every step of the way; we'll even deal with all the letters, emails and phone calls from your lenders.

Talk to us

Talk to a debt expert to find out what your options are.


We'll explain your options and recommend a solution that’s right for you. Fees may be payable if we provide continuing services. If you repay any debt over a longer period of time this may increase the total amount to be repaid and your credit rating may be affected. Lenders are not obliged to accept less than contractual payments or freeze interest and charges. You can read more about “Fees and Key Information” here.

Debt help and advice in Scotland

There are many different types of debt help and every situation will require a different solution. The right answer for you will depend on many different factors, it may even depend on where you live.

Download Scotland's Insolvency Service guide to dealing with lenders.

To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.

You can see a range of options available below.

Debt Management Plan

Debt Management Plan

A repayment plan which could help reduce your monthly payments.

Read More
Debt Arragement Scheme

Debt Arrangement Scheme

Repay your debts at a rate you can afford with this Scottish Government product for Scottish residents.

Read More
Debt Consolidation

Debt Consolidation

A way to get your debt under control that combines multiple existing debts into one – that could help you reduce your monthly repayments.

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Trust Deed

Trust Deed

A legal agreement to pay an affordable amount to your lenders, usually for four years, before the rest of your debt is written off.

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MAP

MAP

This helps people in Scotland with completely unaffordable debts by writing them off after 6 months.

Read More
Sequestration

Sequestration

Scottish bankruptcy is a formal legal arrangement with some serious possible consequences. You repay what you can for four years and your remaining debt is written off.

Read More

Do you live elsewhere in the UK?

If you live in England, Northern Ireland or Wales, there are a range of different solutions available.

See Other Solutions

We understand you’re worried

We know debt isn't just a finance issue. It feeds into all elements of your life. When you are worried about your debt and it starts to get you down or is making your life difficult - it's time to get help.

Did you know...

Debt is rarely ever just a financial problem, it can have a destructive effect on all areas of your life, particularly your health.

It needn’t be that way. Seeking advice early can reduce the harm that debt causes. We could help you avoid some of the worst consequences of debt by giving you time and space to repay your debts in an affordable way.

6/10

people in debt have sought medical advice for debt-related illness

7/10

people said their debt problems affect their sleep

We’re here to help

Our expert debt advisors have helped thousands of people in a similar situation to you. We'll listen and do not judge - we're here to help you.

Based on Feefo.com reviews - 98% of customers who left a Debt Advisory Centre review recommend us with an average rating of 4.8 out of 5 from 409 reviews left by Debt Advisory Centre customers (as of October, 2016)