0161 667 2599

Trust Deed

Reduces your monthly payments and writes off the unsecured debt your haven't repaid - typically after four years.


Commonly known as Sequestration. Puts a stop to unaffordable unsecured debt repayments and writes off what you can't afford, normally after a year.


A lower cost, shorter term form of bankruptcy for people with few valuable belongings.

Find out more about the fees involved with each debt solution.

Download Scotland's Insolvency Service guide to dealing with lenders.

Read here for information about our Complaints Procedure and referring a complaint to the Financial Ombudsman Service.

Conditions Apply. Property you own (including your home if you are a homeowner) may be sold to repay your debts. Your ability to obtain credit will be affected. Fees are payable when continuing service is provided.

Money Helper

To find other sources of free advice visit Money Helper. It’s here to listen and give free, impartial, trusted guidance. Based around you and backed by government.

A little bit about us

We've been helping the people of Scotland get out of debt for years, which means we know what works for different people's circumstances.

When you talk to us, you can be confident that you'll get the very best service. We'll start by discussing your situation in confidence, to get a clearer picture of the kind of help you need.

We can tell you if a Trust Deed, MAP or Sequestration looks like a suitable solution to manage your debts.

If you're happy to go ahead, we'll do all the legwork. Where necessary, we'll contact your lenders, take care of all the paperwork and get your new debt repayment plan up and running.

And our service doesn't stop there. Once you've started a debt solution with us, we'll be here throughout to make sure everything runs as smoothly as possible. If you have any more problems, we'll do everything we can to put it right.

We do charge for our service and you can find out more about what we charge on our fees page. Please note your credit rating will be affected when entering a debt solution.


Our debt advisors are trained to help you find the best way to tackle your debts. What's more, while you're with us you'll benefit from ongoing help and support with your finances.

    What we can do for you

    We'll tell you if we think an insolvency solution is right for you. If it is then we can...

  • Help with your financesWe'll talk to your lenders on your behalf, and take care of any paperwork.
  • Lower monthly paymentsRepay your unsecured debts at a pace you can manage, without using the money you need for bills.

On successful completion, any unpaid unsecured debt is written off. You get a fresh start.

Repaying your debt over a longer period of time can increase the total amount to be repaid.

Get debt help and advice

Whatever kind of help you need with debt, all you have to do is get in touch. We offer a number of insolvency options to help with all kinds of debt, no matter how big or small.

To find out more about the help available, request a callback or call us on 0161 667 2599.

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