Struggling with debt?

Our Scottish-based experts could help you:

Help also available at MoneyHelper

May not be suitable for all. Fees and disadvantages may apply depending on solution, read here.

Help also available at MoneyHelper

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Our 3 Step Process


We’ll find out more about your current situation and finances.

Run through

We’ll discuss all the solutions you could be eligible for.


We’ll advise on the best solution for your needs.

National Expertise, Local Advice

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're The No.1 Team In Scotland, Here's Why

We’ve helped over 250,000 people find a way to deal with their debt

Scottish Debt Solutions We Advise On

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 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.

How We've Helped Across Scotland

Why choose
UK Debt Expert

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

How Debt Advice Could Help

Trust UK Debt Expert

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.


people found our advice helpful


people would recommend or highly recommend us


people rated our customer service at least 4 out of 5


people said our experts were kind


People left a positive review calling out our advice

* Rreviews for the Creditfix Group

Frequently asked questions

Is a debt solution suitable for me?

If you’re struggling with unsecured debt, such as credit cards, loans or utility bills, you may consider a debt solution to manage what you owe. It’s important to be aware that there are many solutions available, each with its own eligibility criteria.

Before making a decision on entering any solution, it’s important to seek professional debt advice to find out more about each and ensure you choose the most suitable and sustainable solution for your situation.

The fact-finding and advice call is free. That call will explore all possible debt solutions applicable to you.

If you live in England, Wales and Northern Ireland, an IVA may be a suitable debt solution. An IVA will be provided by Creditfix and fees will apply.

If you live in Scotland, a Trust Deed or the Debt Arrangement Scheme may be a suitable debt solution. Trust Deeds and DAS will be provided by Carrington Dean Group Limited and fees will apply.

When considering a debt solution it’s important to be aware it will likely adversely affect your credit rating as it will show on your credit report for six years after it has been approved.

However, it’s important to note your credit score will likely already have been affected by being in debt in the first place.

In most cases entering a debt solution won’t affect employment. However, in certain professions, such as accountants and solicitors, having a formal arrangement in place may mean that you can no longer practice or you may only be able to practice under certain conditions. An advisor will be able to discuss this in more detail.

Entering into a debt solution can be a positive way to manage your debt and finances.

Many debt solutions offer the opportunity to combine several debt repayments into one monthly payment, based on your affordability.

An advisor will discuss all considerations with you before you make the decision to enter a solution.

We offer debt advice tailored to your circumstances. We’ll find out more about your current financial situation and your lifestyle to advise on the best solution for you.

All of our advice is free; however, fees will apply should you decide to enter into an arrangement.

These will be discussed by an expert advisor to make sure you are fully aware of the costs involved.

Getting debt advice can be a positive way to manage what you owe. However, it’s important to be aware that while advice is free, fees may apply if you decide to enter into a debt solution. Debt solutions are subject to eligibility criteria and can negatively affect your credit rating.

The advantages and disadvantages for each solution can be found here.

An advisor will discuss all considerations with you in full to help you make an informed decision on how you choose to proceed.