Home This site is still under-construction Poorest paying nearly 50% of income to debt Are young financially savvy, renters driving the credit boom? Money Advice Service Release Recommendations for Changes to UK Debt Solutions Credit & Debit Card Fees to Go Please Panorama: Millionaire Bankrupts Exposed A New Year: but Consumers will Struggle in 2018 Scots Losing out on Tax Credits About Advice Scotland Scottish Adviser Blog Visit the Scottish Adviser Blog Read More Consumer Forums Visit the Consumer Forums. Read More... Using This Site The site and its membership features. Read More... Debt Processes and Solutions The Money Advice Process What is the Money Advice Process that money advice agencies use to help their clients with debts. Read More Informal Debt Solutions Informal debts solutions don't involve the courts, but do require a debtor's creditors to agree. Read More... Formal Debt Solutions Scotland has a number of formal debt solutions, which are not wholly dependent on creditor agreement. Read More... Debt and the Law Sheriff Officers Sheriff Officers and Messenger at arms are Scotland's Court Officers who enforce the recovery of debts. Read More... Council Tax Debt Council Tax debt is one of the easiest to acquire, but is a priority debt, meaning it cannot be ignored. Read More... Earnings Arrestment Earning arrestments are used in Scotland by creditors to attach the wages of a debtor. However, not all wages are attached. Read More... Blogs Can Benefit Overpayments be Recovered during a Formal Debt Solution? Learning to Breathe: The English Way The Money Advice Service: has it over-reached itself in Scotland? Panorama Bankruptcy Expose Misses the Target Too Late, Too Late for Debt Advice Services? The Scottish Debt Advice Landscape Time to Rethink the Common Financial Tool Re-opening sequestration for whose benefit?