Debt advice archive
Personal insolvencies in Scotland have declined on both a quarterly and yearly basis. However, more people applied for the Debt Arrangement Scheme (DAS).
If you have joint debts that you can't afford, you could both enter into a Trust Deed. Although joint Trust Deeds don't exist, both your Trust Deeds will take your joint debts into account.
Claiming back PPI could help you repay more of what you owe if you're on a Trust Deed. Read more here.