If you live in Scotland and debt is causing you worry, you have found a great website to find advice and information. Unlike other debt advice websites in Scotland, Trust-Deed.co.uk provides you with direct access to the knowledge and skills of Scottish debt advice experts, who work for a panel of top-rated Scottish debt solution firms.

Our featured Scottish debt advice experts are specialists in protected trust deeds, sequestration (the Scottish term for bankruptcy), and the excellent debt arrangement scheme. You’ll find them dispensing advice and information directly to more than 1,000 members of our debt advice Scotland forum. They’re backed-up by a team of four Scottish debt advisers in the site’s own advice team, each of whom is professionally qualified in the delivery of debt advice Scotland.

Visitors to our Scottish debt advice forum seem to appreciate our approach; the last time we surveyed our members and visitors, 93% said they thought the site was either ‘excellent’ or ‘good’.

Debt Advice Scotland – What Makes us Different?

The debt solutions available to residents of Scotland are very different to those available elsewhere in the UK. Why is this important? Most debt advisory companies in the UK are based in the North of England. Some of these companies have invested in training their debt advisers, ensuring their competence when dispensing Scottish debt advice, but unfortunately many have not.

Receiving Scottish debt advice from someone who lacks the necessary competence and experience is extremely risky; it could easily result in serious expense for you, unnecessary legal exposure and wasted time.

For example, research carried out by our Scottish debt advice forum, suggests that many companies offering debt advice in Scotland are still heavily promoting debt management plans, despite the fact that the debt arrangement scheme (which is only available in Scotland) offers much greater certainty and protection for Scottish residents.

Seeking Scottish debt advice from specialists is particularly important. Don’t leave this to chance.

Trustworthy Sources of Scottish Debt Advice

The good news is there are plenty of good sources of specialist Scottish debt advice you can turn to for trustworthy advice and support.

Money Advisers in Scotland are well-trainedand well-respected debt advice professionals. Mostly they’re found working for the CAB or local authorities. They can provide advice on the options available to you. Some are also able to set up a debt arrangement scheme.

Insolvency practitioners are highly trained specialist debt professionals who work in a tightly regulated environment. Debt advice firms in Scotland provide both Scottish trust deed and sequestration (bankruptcy) services. Some of these regulated Scottish debt advice firms also provide commercial debt arrangement scheme services as well. You’ll find representatives from a number of these firms answering questions in our Scottish debt advice forum.

Professionally qualified Scottish debt advisers also have the skills to analyse debt problems and suggest effective remedies. Two trade associations covering commercial debt advice companies in the UK (DRF and DEMSA) offer their members the chance to take professional qualifications which equip the adviser with the necessary skills to provide excellent advice. We believe the Trust-Deed.co.uk Scottish debt advice team was the first such team in the UK where every adviser had successfully completed such training and gained a professional debt advice Scotland qualification; this is exactly why our Scottish debt advice forum is such a trusted resource.

Sources of Scottish Debt Advice to Avoid

The bad news is that the Scottish debt advice industry also contains a number of companies, websites and advisers that are best avoided. The following information may be useful if you are trying to make sure you receive trustworthy advice (which is offered in your best interests).

Firstly you need to make sure the Scottish debt advice firm you are in contact with is legally registered and authorised to help. They must hold a Consumer Credit Licence and the details of this should be easy to find on their website.

Scottish debt advice companies must also operate in a compliant way. This means they should offer balanced information. Does their website make statements like ‘write off up to 90% of your debts’ without equally prominently flagging up some of the negatives and risks associated with a protected trust deed? Are you being offered a debt management plan without any mention being made of the debt arrangement scheme? If so, you may be dealing with salesmen rather than a firm of compliant debt advice Scotland professionals such as those present in our Scottish debt advice forum.

Your Scottish debt adviser should be professionally qualified so you can be sure of their competence. If so make sure you ask what debt advice qualifications they hold. If they don’t possess a qualification you need to find a new source of Scottish debt advice. Would you take medical advice from an untrained person?

Don’t be rushed. Sales operations will hassle and hussle you into making a commitment. Sincere Scottish debt advice operations and advisers know you may need time and space to make a decision you are comfortable with (and they’ll give it to you). Are you getting chased by text message, receiving daily calls asking when your paperwork is to be sent back, or pushed to allow a representative to come and collect your paperwork before you are ready? If so, you’re being sold to rather than advised. Ditch the salesman and find a professional source of Scottish debt advice.

What does the Scottish Debt Advice Forum Advise you do Next?

You may wish to visit our Scottish debt advice forum. This is where members ask questions and our Scottish debt advice specialists provide expert insight and information. It also provides a resource where individuals are able to share experience, tips and support with one other.

There are also a number of debt advice Scotland guides available from our main menu. Read about protected trust deeds, the debt arrangement scheme, debt management plans and the various ways to access sequestration (bankruptcy) in Scotland.

If you want to take direct personal advice you may wish to contact a Money Adviser, a firm of regulated insolvency practitioners (some of which are represented on this site) or a qualified Scottish debt advice provider (such as those in the Trust-Deed.co.uk team). These sources of debt advice in Scotland will help you to come up with a plan to deal with debts which are no longer manageable.

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