Scottish Debt Solutions

We advise on all Scottish debt solutions, as detailed below

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May not be suitable in all circumstances. Fees apply. Your credit rating may be affected.

Free debt counselling, debt adjusting and providing of credit information services is available to customers by contacting MoneyHelper.

Trust Deeds

Protected Trust Deeds can write off your unaffordable debt and reduce the rest of the debt down to one monthly payment, repaid over a typical period of 48 months, though the duration can sometimes be extended depending on your circumstances.

Debt Arrangement Scheme

The Debt Arrangement Scheme (DAS) is an alternative to a Protected Trust Deed and Sequestration in Scotland. It freezes interest and charges and allows you to reduce your monthly debt payments down to an affordable amount.

Sequestration

Sequestration is the Scottish equivalent of bankruptcy. Sequestration is a legal process that writes off debt and allows residents of Scotland with unaffordable to deal with their debts and make a fresh start. Our debt advisers can help you decide if Sequestration is right for you.

Minimal Asset Process

The Minimal Asset Process (MAP) route to Sequestration allows you to write off your unsecured debts in a short period of time. Our experienced debt advice team can help you make an informed decision on whether MAP Bankruptcy is right for you.

Self-Employed Help

The debt solutions we offer are tailored for sole traders, limited companies and partnerships. We help self-employed customers find out if they are suitable for solutions such as Protected Trust Deeds and the Debt Arrangement Scheme.

Find Out More

Contact an experienced debt adviser at Trust Deed Scotland^® today to find out more about the debt solutions available to you. Call us on 0141 221 0999 or request a call back at a time that suits you best between 8.30am-8pm Monday to Thursday and 8.30am-5pm on Fridays.

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Rising bills today could leave over 1 million people in Scotland short in retirement

Rising living costs are not just affecting today’s bills More than 1m people in Scotland could be undersaving for retirement, based on a Scotland-equivalent estimate of the latest Pensions Commission warning. The Pensions Commission’s interim report, published on 19 May 2026, warned that 15 million people across Britain are currently undersaving for retirement, with that … Continued

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