Are you struggling with problem debts?

Advice Scotland is intended to help you.  Across Scotland, tens of thousands of people struggle with debts every day and do so in silence. They fear answering their phones, opening their mail, or the next knock at the door.  This is because there are many misconceptions about debt.  People don't know what happens next or how they can protect themselves .  So, they live in fear. This is my personal blog. It does not give personalised advice,  but aims to share the knowledge I have. It contains information on all aspects of debt and I am constantly adding to it, so , If there is something missing, let me know.  Scottish Adviser