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Expert Advice and Assistance

Residents of Scotland who are struggling to repay their debts may have the option of entering into a Trust Deed with their creditors. This formal debt measure (often called a Scottish or Protected Trust Deed) is an agreement between yourself and those you owe money and is an alternative to bankruptcy.

How can Protected Trust Deeds help you?

By signing up to this form of agreement you agree to pay an amount each month for a defined period (usually four years). Once completed, your creditors must write-off any outstanding balances and these debts will be considered as settled.

People choose this method of debt resolution as a way of taking control of mounting debts and working towards clearing them for good. Monthly payments to creditors are agreed after your finances are reviewed to see what you can afford. Once the terms have been agreed by creditors, you will be legally protected from them and all interest on the debts will be frozen. When it has run its course, creditors can no longer pursue you with measures such as legal action, allowing you to move on with your life.

Is a Scottish Trust Deed right for you?

There are risks associated with entering into a Trust Deed Scotland. These can include releasing equity from your home to help pay off debts, and incurring a poor credit rating for a number of years after the term has ended. For reasons such as these, it is important that you seek relevant advice before entering into any formal agreement.

Many of the companies claiming to offer “impartial advice” are doing anything but that. You need to be aware of all the potential financial implications and ensure you seek advice from people who have experience in this area. That’s why this website exists - to bring financial experts and people in debt together so they can talk openly about debt resolution methods and to build a resource to help future debtors. Our Trust Deed Scotland Forum also allows those struggling with their debts to ask our resident experts questions.   

Our forum provides up-to-date, expert advice

On this website you will find our well-established forum. If you have a question regarding any debt measure or solution, then please join our Scottish Trust Deed Forum and speak directly with debt experts. A number of experienced industry insiders take part in daily discussions, offering expert advice to participants. What better method of finding out everything you need to know regarding debt than from our qualified and experienced professionals? You can also call our advice line on 0800 043 7201 or 0141 237 3752 and also can get in touch using one of the contact forms on the site.

Trust Deed Scotland Key Facts

If you proceed with this form of debt resolution, certain debt arrangement schemes, sequestration or certain debt management plans, then fees will apply. For further details about these fees (and the work that is conducted) click here. Your ability to obtain further credit will be affected by most debt solutions; for further details click here. Other sources of debt advice exist; click here for further details. You may wish to read the “ Debtor’s Guide” (published by the Accountant in Bankruptcy) which contains impartial information about debt. You may also wish to read the Money Advice Service’s guide to free debt help here. Calls to our 0800 telephone number from mobile phones and some networks may be charged (we will call you back if you ask us to). Warning: If your Trust Deed Scotland fails you will remain liable for the balance of your debt and the insolvency practitioner fees and costs incurred (if they chose to seek payment from you). In certain circumstances failure of the plan might result in your sequestration or refusal to discharge you from your trust deed.

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* Figures accurate as of 1st April 2014