Debt Solutions In Scotland

If you are struggling to repay your debt in Scotland, you are not alone.

Every year, thousands of people are using debt repayment solutions depending on their circumstances.

Many of these debt solutions in Scotland are heavily advertised. As seen on TV stations including STV, or as heard on local radio stations such as Clyde, Heart, Northsound and Forth. Or in newspapers such as the Evening Times, Scotsman, Daily Record and the Aberdeen Evening Express. Even in glossy magazines, or billboard advertising.

It can be quite difficult to understand which of these debt solutions are beneficial for you as a resident of Scotland.

Perhaps more importantly, which debt solutions are relevant to you. Which debt solutions are affordable. And what does all this debt solutions jargon actually mean.

DAS Scotland have helped individuals in Glasgow, Ayrshire, Edinburgh and Highland and Islands. In fact, whether you live in Dumfries and Galloway, or all the way up to the Orkney Islands, DAS Scotland are here to work with you.

Our expert advice is specifically tailored to your individual circumstances and mindful of current legislation.

You can get an idea of the pros and cons of all Scottish debt solutions open to you by clicking on the links below. If you need any help, feel free to contact us on 0141 380 0588. Alternatively, you can send a request for help to our dedicated Whatsapp debt service. This means that you can message us from a mobile phone, all you need is an active WiFi connection on the device.

Find the Scottish Debt Solution For you

Do you qualify to reduce your debts?

Our Scottish Debt Solutions guide will give you all the starting information you need in order to make an informed initial decision.

However, should you want to pursue any Scottish Debt Solution, we recommend having a free, confidential chat with one of our DAS Scotland experienced advisors.

Debt Repayment Calculator

Total Estimated Debt
The estimated amount of debt that you estimate yourself to have. Don’t worry, this figure does not need to be an approx figure to begin with.
£5,000     £50,000
Amount You Can Afford To Pay Per Month
The amount that you can afford to repay each month. Our experts will run through your income and expenditure details with you.
10 £ p/m     500 £ p/m

Calculate Now


Trust Deeds

In a Trust Deed, you make a single monthly instalment towards your unsecured debts. This is based on your income and expenditure, so is tailored to be affordable for your circumstances. You usually make…

DAS Scotland

The Debt Arrangement Scotland was introduced to Scottish law in 2004. There is no equivalent solution is currently available to people living in England, Wales or Northern Ireland. DAS protects…


Sequestration is the Scottish equivalent to bankruptcy, and is, similarly, usually used as a last resort for dealing with unmanageable debt. During sequestration, a licensed Insolvency Practitioner takes control…

Debt Consolidation Loan

A homeowner debt consolidation loan is secured against a property in order to repay other debts in full. For example, you might owe money on two credit cards, two unsecured loans, and one payday loan…

Debt Management Plan

A Debt Management Plan (DMP) is a revised repayment plan agreed between you and your creditors. You can negotiate this new repayment plan with your creditors yourself, hire a private firm to organise it…

Minimal Asset Process Sequestration

Minimal Asset Process is a form of Sequestration in Scotland and is usually considered a last resort for people who have a low income are unable to pay off their debts…