Do I Qualify Trust Deed Scotland

What is a Trust Deed in Scotland?

A Protected Trust Deed is only available to residents of Scotland and it will help you pay off your unsecured debts in manageable monthly amounts typically over a 4 year period. Only a qualified Insolvency Practitioner can administer a Trust Deed, and payments are based on what you can afford. After the trust deed is completed, all your qualifying unsecured debts are written off.

One of the advantages of a Protected Trust Deed is that you don’t have to deal with your creditors, we do that for you. A trust deed can help protect your house and car. To qualify, you need at least £5,000 of debt and to have been living in Scotland for at least 6 months.

A protected trust deed is just one of the options that we can advise on. To find out what your options are, start with the online form or simply call us. Once you have considered your options, you’re in a position to make an informed decision. Our advice is free, with no obligation and no setup costs.

Trust Deed Scotland Largest in Scotland
Trust Deed Scotland Non Profit
Trust Deed Scotland FCA Regulated
Trust Deed Scotland Community Interest Company

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It’s now even easier to get qualified advice

Trust Deed Scotland have made it easier than ever with our unique Trust Deed Wizard® It’s secure, easy to use and gets you connected with a qualified advisor from your mobile.

Got a Smartphone?

The Trust Deed Wizard® is an easy to use application that will enable you to find out what your options are. Our experienced advisors will help you through the process enabling you to get advice quickly and simply.

  • 100% Encrypted, secure & confidential
  • Don't know all your debt ? Free credit search to find out
  • Gets your advice quicker and easier


Why people use trust deeds

  • Every year over 6,000 people in Scotland benefit from trust deeds.
  • A trust deed allows you to pay one reduced monthly payment to your debt on a fixed timeframe, typically 4 years, while keeping your home, car and other assets.
  • During this time, any interest and fees on your debts will be frozen and your creditors are legally prohibited from contacting you for payment.
  • Upon completion of your trust deed agreement, any remaining debt will written off, leaving you debt free.
  • Once your debt solution has been formally agreed you will make one payment per month for the duration of the agreement.


Here's an example of what we can do

See how a trust deed could help you with this simple example. Using a trust deed we consolidate all the debts into one smaller monthly payment over 4 years, then you will be debt free.


Trust Deed Scotland

Personal Loan


Trust Deed Scotland

Credit Card


Trust Deed Scotland

Store Cards


Trust Deed Scotland

Council Tax


Total Debt £20,800

Trust Deed Scotland

Your monthly repayments



written off


* Subject to creditor acceptance * Payment subject to individual circumstances * Credit rating may be affected

Why Choose Trust Deed Scotland?

Trust Deed Scotland® help thousands of people every year and is the largest in Scotland for advice on Scottish debt solutions. We are FCA regulated for your protection and specialise in providing free, confidential debt advice with no hidden charges.

We make it easy

Trust Deed Scotland

We can explain trust deeds and the other debt options available to you, such as: the Debt Arrangement Scheme (DAS); Minimal Asset Process (MAP) and Sequestration.

Trust Deed Scotland

Trust Deed Scotland have over a thousand verified reviews on TrustPilot, with an average score of 98%. We receive such positive feedback due to our industry leading training and ethical debt advice.

Trust Deed Scotland

We cannot stress enough the importance of approaching a company that has the necessary qualifications and experience in this field. Always ensure the company you are dealing with is governed by the Financial Conduct Authority, (FCA).


Experts in debt advice

Trust Deed Scotland

Our credentials have led to several companies claiming to be related to Trust Deed Scotland®, in order to attract business. Trust Deed Scotland do not work with any other debt advice companies. Please inform us if you receive any unsolicited communication.

Trust Deed Scotland

Our advisors cover the whole of Scotland and are trained to the highest standards. This includes acting with full discretion and providing non-judgmental advice at all times.

Trust Deed Scotland

At Trust Deed Scotland, we understand the impact that debt can have on all areas of your life. Every year, we help people from a vast variety of situations. You are not alone.

Frequently Asked Questions

Got a question? Maybe we have an answer for you here . . .

Your contribution is based on the disposable income remaining once your living costs have been deducted from your income. People are much more comfortable once they enter a trust deed as they will be making one affordable monthly payment instead of higher, separate payments to their creditors. Try the Trust Deed Wizard ®  for an indication of how much you could expect to pay monthly in your trust deed.

Scottish residents with £5000 or more unsecured debt may be eligible for a Trust Deed.

You can qualify as a homeowner, private tenant, council tenant or if you live with your parents. If you own your home, your advisor will explain the process of protecting your house during the initial assessment. Try the Trust Deed Wizard ®  to find out how a trust deed could help you get on top of your finances.

Over 98% of our trust deed proposals are accepted. If a creditor wanted to object, it would do so in writing within five weeks of your trust deed being proposed. Even then, it would only fail if that creditor represented over 33% in the total debt value or over one half in number. If 67% of creditors agree with the proposal, then the other creditors will still be legally bound by its terms, even if they object. In the unlikely event your trust deed did fail, the trustee would negotiate your case in an attempt to have it accepted and you will also be advised on other Scottish debt solutions such as the Debt Arrangement Scheme (DAS) and Sequestration.

We will show you all your options and help you make an informed decision on the debt solution best for your needs. Your advisor will provide you with a checklist of any additional information required and once we receive it we can begin drafting your case. If you want to proceed , your advisor will arrange a meeting with you to finalise the paperwork, We will also help you set up your first Trust Deed payment at this stage and then you can stop any current payments to your creditors. Try the Trust Deed Wizard ® to see how a Trust Deed could help you become debt free.


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How a Trust Deed affects your Credit Rating

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