Debt solutions

There are a number of debt solutions available to help Scottish residents deal with their debt problems, three of the most common options are listed below. Each solution works differently. Some allow you to write off debt that you can’t afford to pay back, while others can offer discounted interest rates and charges. Nonetheless, all of the options will seek to reduce your monthly payments and make things more manageable. 

Debt Help Experts

Click the links to find out how the different solutions work and see some of the advantages and disadvantages of each. You can also read about some of our customers who have been successful in taking control of their debt.

You can use our free debt calculator today to find out which solution is ideal for your financial situation. If you would prefer, you can contact us directly on 0800 652 2821, by e-mail at enquiries@dontfretaboutdebt.net or by going to the Contact us section of our website. Our team of debt experts are committed to offering real and impartial debt advice. We have locations across Scotland and will get back to you to discuss the best path for you to take in tackling your debt.


Take the first step to deal with your debt today by speaking to a member of our team.

Trust Deed

A Scottish Trust Deed can help you get out of debt in 48 months. The agreement can help reduce your monthly payments and prevent creditors taking legal action.

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Scottish Trust Deed

Debt Arrangement Scheme

A Debt Arrangement Scheme allows you to freeze and discount interests, penalties and charges. Like a Trust Deed, it can protect you from creditors taking legal action.

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Debt Arrangement Scheme image


Also known as sequestration in Scotland, bankruptcy is a legal procedure which acknowledges that you can no longer afford to pay back your debts and prevents creditors from pursuing the money owed. The debt is eventually written off.

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Bankruptcy image
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See how we’ve helped our clients

After years of struggling with debt, I can finally see light at the end of the tunnel. I can’t thank you enough...
Thank you so much for all your help. I feel much better after speaking to you. You’re so nice.
I’m embarrassed that I let it get so bad, I really have been burying my head in the sand but with your help I’ve been able to move on and enjoy life with my family.

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