We are a friendly, established, professional firm who provide expert debt advice and solutions to our clients from all over Scotland.

With us you get real advice from real people who care. We guarantee that there will be no hard sell or false promises and we certainly wont pass any of your information onto anyone else. All information you give us will be treated in the strictest confidence and we will talk you through all your available options to allow you to make an informed choice. Not only that, we don’t charge a fee for advice. If you decide it’s not for you, that’s fine too.

Our staff are real debt experts, so forget the pushy annoying call centres and call someone who cares on 0800 652 2821. If you prefer, you can email us at enquiries@dontfretaboutdebt.net or simply fill out our Enquiry Form and one of our team will be in touch with you.

We believe that everyone deserves to be debt free.

Don’t Fret About Debt – As featured on Real Radio.

A Protected Trust Deed applies only in Scotland and is a formal but voluntary arrangement with your creditors where you offer to repay a percentage of what you owe them, usually over a 3 year period. It is not as formal as sequestration (bankruptcy) but may affect you in similar ways, for example your credit rating is likely to be affected.


The Debt Arrangement Scheme offers individuals who live in Scotland and have one or more debts the opportunity to repay all their debts at an affordable rate via a  Debt Payment Programme (DPP). Sole traders with business debts can also access a DPP.


Sequestration is the Scottish legal term for bankruptcy. It involves a Trustee taking control of your assets and liabilities (debts) for a fixed period of one year.