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Find your Scottish Debt Solution
We’ve helped over 47,000 people in Scotland with their debt
Check if you’re eligible to:
- Write off up to 81% of your unsecured debt
- Repay with affordable monthly payments
- Freeze interest & charges on included debts
- Write off up to 81% of your unsecured debt
- Repay with affordable monthly payments
- Freeze interest & charges on included debts
Authorised and regulated by the Financial Conduct Authority. Advice is free but fees and disadvantages may apply if you enter a debt help solution. May not be suitable for all. Read here.
Help also available at MoneyHelper
We're Rated 5 Stars in Scotland, Here's Why
We’ve helped over 47,000 people in Scotland find a way to deal with their debt
Trustpilot in 2024.
Our 3 Step Process
Review
Answer a few questions to give us a picture of your current situation and finances
Speak to an expert
Chat to an expert about all the solutions you could be eligible for
You decide
We’ll discuss your options and advise the best debt solution for your needs
How we've helped Scottish residents
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
Get advice and solutions to manage debts like
Why Trust UK Debt Expert
- Practical Scottish Debt advice to help you find a solution
- Check your eligibility for solutions like Trust Deeds and more
- We've helped more than 47,000 in Scotland
- We're rated 5 star by more than 93% on Trustpilot
- Start working towards clearing your debt
“Amazing service helped me put my mind at ease and lifted a massive weight off my shoulders”
Mayana, May 2025
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
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.
Frequently asked questions
Will a debt solution affect my partner?
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.
Should I still pay my creditors?
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.
Will entering a debt solution affect my credit rating?
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.
If I enter a debt solution, can I still have a phone contract or vehicle finance?
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.
Will I need to pay any fees?
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.
Will entering a debt solution affect my job?
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.
What is an unsecured debt over a secured debt?
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.
How much debt could I write off with an IVA or a Trust Deed?
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.