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Become debt free with Scotland’s premier debt advice company.

  • Free & Confidential Initial Consultation
  • Lower Monthly Payments
  • No more pressure to pay
  • Write-off some of your debt
  • Cost of Living crisis – what help is available? Read More


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Why Choose Us?

Accredited debt advice

Accredited debt advice

Reputable company,  parent French Duncan est.1902.

Reputable company, parent French Duncan est.1902.

Home visits available

Home visits available

100% Scotland based

100% Scotland based

Quality advisors, ready to speak straight away

Quality advisors, ready to speak straight away

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Representative Examples

If your debts are overwhelming and you are struggling to repay your creditors you should consider seeking professional money advice. See some of the representative examples below for how much money our experts helped to save clients under previous Trust Deed or Sequestration arrangements. 

One solution not covered below is the COVID Payment Plan (CVPP), this is designed specifically for people struggling due to the impact of COVID-19 - so if you are then contact us immediately on 0800 652 0002 to find out if this might be appropriate for you.

Trust Deed example
Consumer Debt client with moderate surplus income
Debt £66,000
Creditors 21
Was Paying (per month) £1,000
Now Paying (per month) £350
Total Gain for Client £49,200
Sequestration example
Consumer Debt client, no assets, but £220 surplus income/month
Debt £45,000
Creditors 8
Was Paying (per month) £725
Now Paying (per month) £220
Total Gain for Client £34,400
Trust Deed example
Consumer Debt client with low surplus income.
Debt £24,250
Creditors 15
Was Paying (per month) £650
Now Paying (per month) £175
Total Gain for Client £15,850

We understand that financial worries can be distressing and sometimes unbearable when you are being chased by a variety of creditors at once including HMRC, council, utility providers, TV license, banks or other suppliers. There are a number of different debt solutions available to the residents of Scotland in financial difficulty. You just need to explore your options and see what suits your circumstances best.

The most common debt problems can be resolved through either a Trust DeedSequestration, or Debt Arrangement Scheme (DAS) depending on your individual circumstances and needs. It usually involves you paying a single affordable monthly payment for a number of months.

Our team of licensed insolvency practitioners and advisors help people to resolve their debts from all over Scotland including Glasgow, Hamilton, Edinburgh, Stirling, and Dumbarton. We provide confidential advice based on your financial circumstances, employment situation and levels of debt. In the last 28 years we have helped a number of individuals and businesses with various financial issues and we can help you too. We offer free no obligation consultation with our dedicated and experienced team. 

During your free consultation we will talk about your options and will suggest which procedures might suit your circumstances best. Our team will be able answer any questions you might have and establish some clarity to achieve your financial goals. The most frequently asked questions at the consultations include ‘how will insolvency affect my job’, ‘will people find out’, ‘will I lose my home’ or ‘how will my credit rating be affected’. We will be able to talk you though any concerns that you may have and suggest the best route towards becoming debt free.

Our aim is to help people in Scotland reduce their debt and gradually achieve financial freedom. We believe that each situation is different and, therefore, requires careful and thorough understanding of personal circumstances. We can help you to reduce your monthly debt repayments, deal with your creditors and even write off a large proportion of your unsecured debt. The earlier you seek professional advice the more options you have to protect your assets such as your property or a car.

Getting into debt can be easy regardless of your social status or financial position. Debt is an increasing problem in Scotland and there is no easy way to overcome it. According to the Money Charity, the average debt per adult in UK is well over £29,000 which accounts to 112.9% of average earnings. We can help you to tackle your debts, reduce creditor pressure and get your life back on track.

Our trusted advisers have been providing debt help across Scotland since 1989. Providing a quality service you can trust, we tailor every debt solution to the individual to ensure you can maintain and then exit the specific solution, debt and stress free. Our team will talk you through all of the options based on your personal circumstances allowing you to make an informed decision for your debt free future. We don’t charge a fee for advice and you are not obliged to continue with any of the proposed insolvency solutions if you don’t want to.

If you would like to reduce your debt and get rid of financial stress contact our team of friendly insolvency experts in Glasgow, Edinburgh, Stirling, Hamilton and Dumbarton. We are happy to meet up in a location that is more convenient to you to discuss your circumstances and come up with a personalised plan. Simply contact us on 0800 652 0002 to arrange a meeting or discuss your situation over the phone.

We work with a number of debt charities and organisations including the Citizens Advice Bureau across the Scottish network, Money Advice Scotland and StepChange. Together we are raising awareness of the risks of falling into debt and the revolving credit trap, and we are helping people overcome their debt problems.

Our clients often get debt advice from these organisations prior coming to see us. If you have been advised that a Protected Trust Deed or Sequestration, otherwise known as personal insolvency, is the best option to deal with your debts we can provide further guidance and help. Our team of insolvency experts offers free and confidential advice and we do not charge any set up fees. We can assist you with all the necessary documentation, significantly reduce monthly repayments to your creditors and make your debt more affordable.


Whether you decide that a Trust Deed or an application for Sequestration, Scottish word for Bankruptcy, is the best way forward, a Trustee requires to deal with your assets for the benefit of creditors and that includes any equity held in your property. From experience, in most cases, it does not mean that you will lose your home.

The Trustee will be willing to consider any proposals as to payment of the equity and will provide you with any assistance and guidance to try to ensure that you can retain ownership of your home.

The value of equity will always be discussed and explained prior to deciding on the correct debt solution for you.

If your property has negative equity then your Trustee will look for a minimal payment to formally release their interest in the property.

You have to keep up all secured repayments on your property to ensure that it is not repossessed by the lender, but these payments are taken into account when looking at your income and expenditure statement.


If you are, then there is a new COVID Payment Plan (CVPP) which be a big help to you.  You can read more on this page of our website, or just give us a call on 0800 652 0002 and we can disucss your situation and see if this solution is right for you.

In Scotland Sheriff Officers are official officers of the court, who are hired (by firms or are self-employed) to enforce court orders.  This means they often visit homes in order to undertake court approved debt enforcement.

Every Sheriff Officer should carry an identity booklet with a photo and crest of the Scottish court service, and some of company they may work on behalf of include:

As Sheriff Officers are acting on behalf of the Scottish Courts, it often means that seeking debt advice as quickly as possible is advisable.

Further information about the role and rights of Sheriff Officers can be found from Citizens Advice Scotland or from the debt charity StepChange.