Our experts could help you:
Help also available at MoneyHelper
Help also available at MoneyHelper
As featured on
We’ll find out more about your current situation and finances.
We’ll discuss all the solutions you could be eligible for.
We’ll advise on the best solution for your needs.
Our experts in Scotland have helped thousands of people, just like you, in the last year to find a solution to deal with their debts.
* The number of people who entered a Protected Trust Deed or Debt Arrangement Scheme in each local authority between March 2023 and March 2024
We’ve helped over 250,000 people find a way to deal with their debt
Was struggling to keep up
I was struggling to keep up with payments to my credit card and loan providers, it was literally leaving me with pennies after paying the monthly payments. After talking to this company it made my life so much easier and even left me with a lot of extra money each month.
Robin Lacy
The team is understanding, knowledgeable and willing to help
The team is understanding, knowledgeable and willing to help. I was in a total state of confusion not knowing where to turn. With the challenges I was facing at the time compared to now, I really can not thank you enough for your help.
Mr Camara
From stress to relief
Before the call I was so stressed, literally had nowhere to turn & wasn’t sure if my situation could be resolved as I felt I was just stuck in a rut with financial issues. Claire was fantastic, assured me she would do what she could to help, throughout the whole call she kept reassuring me & made me feel so much at ease. By the end of the call I felt so much relief & my financial stress was over.
Naheem Ali
Effortless personal experience
I spoke to Allison who was very helpful over the phone, she went through all of my options available to me without any judgement at all which was nice. Very personable phone manner and made the whole experience effortless. Very helpful.
Liam
The team are really supportive
The team are really supportive and helped me every step of the way, although I hardly had to do anything anyway. They have kept in touch to check on me regularly and make sure I am happy with everything and offered their support throughout. Couldn’t recommend them enough for those who are in stressful financial situations and need help.
Abbie
I spoke to Zahid
I spoke to Zahid and he explained everything to me , what options were available and helped me decide what would be best for me, the whole process was simple and straightforward and at an affordable monthly payment
Ruth Igiebor
Trust Deed
A Trust Deed is a legally-binding debt solution for people who can’t repay unsecured debts. It involves making monthly payments for a period of four years, with the goal of repaying a portion of the debt while being protected from legal action. Remaining debts are written off at the end of the arrangement.
Debt Arrangement Scheme
The Debt Arrangement Scheme (DAS) is a Scottish government-backed initiative that offers a structured repayment plan for people facing unmanageable debt. You repay your creditors at a rate you can afford, via a Debt Payment Plan (DPP), and you’ll be protected from legal action while you do so.
Minimal Asset Process
The Minimal Asset Process (MAP) is a way of applying for bankruptcy. This solution allows people to write off debt they’d struggle to repay in a reasonable time. You may consider this if you have a low income and have little to no assets.
Sequestration
Sequestration is the Scottish term for bankruptcy. It’s a legal process that allows people to write off all of their debts. You may choose sequestration if you have no money to repay your debts and have little or no assets. However, it should always be considered as a last resort.
Alan
“Having been subject to a scam, I contacted UK Debt Expert . The problem was resolved with a Trust Deed and their advice eased my worries in a professional manner.
Total unsecured debt
£22,140
New Monthly Payment
£153
Biggest Concern
Credit Cards
Estimated debt written off
£12,542
Protected Trust Deed (PTD)
Stephanie
“I was struggling with debt and one phone call has made me feel less stressed. This company has saved me and now my debts are affordable.”
Total unsecured debt
£4,463
New Monthly Payment
£90
Biggest Concern
Council tax arrears
Why choose a DAS?
Stephanie wanted to repay her debts in full at a more manageable rate.
Debt Arrangement Scheme
Free debt advice
that won’t affect your credit rating
We are rated 5 star by
more than 93%
on Trustpilot
We advise on all UK solutions
to help manage your debt
We’ve helped over
people with their debt
When it comes to finance, you want advice you can trust. Here’s why you can be confident we’ll help you find the best solution to deal with your debt.
12,700
people found our advice helpful
4,600
people would recommend or highly recommend us
2,600
people rated our customer service at least 4 out of 5
1,200
people said our experts were kind
1,000
People left a positive review calling out our advice
* Reviews for the UK Debt Expert Group
Not usually. If the debts are solely in your name, your partner’s credit file or finances shouldn’t be affected. However, if you have joint debts or shared financial agreements (like a joint loan or mortgage), your partner may be impacted. It’s important to speak to your advisor to understand your specific circumstances.
Yes, you should continue making payments to your creditors until your debt solution is agreed and in place. Missing payments before then could lead to additional interest, charges, or enforcement action. Once your solution starts, payments will usually be made through your provider.
Yes, most debt solutions will have a negative impact on your credit file and will be recorded for six years. However, if you’re already behind on payments or struggling with debt, your credit score may already be affected. A solution can help you take control and work towards rebuilding your credit over time.
You may still be able to get a mobile phone contract or vehicle finance, but it could be more difficult. Lenders may see you as higher risk, so your options may be limited or come with higher interest rates. It’s best to speak to your provider before taking on any new financial commitments.
All advice provided by UK Debt Expert is free. However, some debt solutions do include fees, and will be explained in full before you commit.
In most cases, no. However, some professions—particularly in finance, law, or roles requiring security clearance—may be affected. Check your employment contract or speak to your HR department if you’re unsure.
Unsecured debt is borrowing that isn’t tied to an asset, such as credit cards, personal loans, or overdrafts. Secured debt, like a mortgage or car finance, is linked to an item that the lender can reclaim if you fall behind on payments. Most debt solutions only cover unsecured debts.
It depends on your individual circumstances. Some people can write off a significant portion of their unsecured debt—sometimes up to 80%—but this varies based on what you can afford to repay over the term of your plan and is subject to creditor approval. A qualified advisor can help you understand what might be possible for you.