0161 667 2599

We can help you find the best way to tackle your debts

Debt Solutions

Our debt solutions

Our comprehensive range of debt solutions means we can help people with all kinds of problems with debt. Call 0161 667 2599 to talk to one of our advisors, or take a look at the different ways we can help you below.

Trust Deed

A Scottish Trust Deed legally prevents action from your lenders, while enabling you to repay your debts at a pace you can manage. Your unsecured debt repayments will be reduced to an amount you can afford alongside your other important living costs. Most Trust Deeds last four years, and at the end of that time, if they are successfully completed, any unsecured debt you haven't repaid is completely written off.

Find out more about Trust Deeds


As a last resort, bankruptcy (sometimes also known as sequestration in Scotland) could be your most suitable way out of problems with unmanageable debt. When no other suitable options are available, going bankrupt will write off unaffordable unsecured debts and prevent further action from your lenders. You'll only have to make payments towards those debts if you can afford it, and only for up to four years. Bankruptcy is a serious step with long-lasting consequences and it could cost you your home, if you own it.

Find out more about bankruptcy in Scotland

MAP (Minimal Asset Process) bankruptcy

MAP was brought in to make sure that the most vulnerable people can get access to the help they need with unmanageable debts. It replaced the LILA (Low Income, Low Asset) scheme for Scottish residents on 1st April 2015.

If you owe less than £17,000, have few valuable assets and no money to pay your lenders, you may be able to apply for bankruptcy through MAP.

Find out more about MAP

How do I know which debt solution is right for me?

Deciding how to deal with your debts can be difficult. Understandably, you'll want to get out of debt as quickly as possible without affecting the other important things in your life. Our experts aim to help you do just that.

To find out how we could help you, request a callback for an instant recommendation on the best way to tackle your debts. Or if you'd prefer to speak to one of our friendly advisors, you can call us on 0161 667 2599.

Latest Debt Advice

Could we have a joint Trust Deed?

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.

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