Money and debt issues can cause significant stress and worry, and we have several ways we can help with these. Our experienced Money Advice Team is accredited to Scottish National Standards and licensed by the Financial Conduct Authority to provide free and confidential debt advice tailored to your individual circumstances and in line with Scottish debt law. 

We’ll look at your individual (or household) circumstances and help you work out an accurate income and expenditure. We then use this to provide you with specifically tailored debt advice that will help you deal with your debts.

As part of this process, we also provide a full benefit check to ensure you are in receipt of all the available income you are entitled too.

Once we have completed a full assessment of your situation, we will go through different debt options which may be available to you. These include:

• Debt Arrangement Scheme
• Full Administration Bankruptcy
• Minimal Assets Process Bankruptcy
• Debt Management Plan
• Token Offers
• Moratorium

If you are worried about money or debt issues, please do not hesitate to contact us as outlined below.

Some important documents to have to hand when discussing debt & money with us:

• Details and proof of income
• Wage slips/benefits/tax credit details
• A copy of recent bank statements from the last month
• Details of your household spending and bills (food, utilities etc.)
• Details of all those who you owe money to (creditors)
• A copy of all your original agreements
• A copy of any relevant court papers
• A copy of any correspondence you have