ADVICE SCOTLAND – HELPING WITH PROBLEM DEBTS

Are you struggling with problem debts? Advice Scotland is intended to help.

Across Scotland, tens of thousands struggle with problem debts each day and unfortunately they often  do so in silence. They fear answering their phones, opening their mail, and dread the next knock at the door.  However, there are lots of misconceptions about debt in Scotland.  People don't always know what happens next or what they can do to protect themselves and their families.  So, instead they live in fear.

This is my personal blog site. It cannot give you personalised advice, but it does aim to share the knowledge and experience I have built up over the last 2 decades working in the debt advice sector in Scotland, advising on evictions, bankruptcies, the Debt Arrangement Scheme and even providing in-court representation. It contains information on all aspects of debt law in Scotland and I am continually adding to it and updating it, so if there is something missing, let me know.

Debt Advice And Information

There is no substitute for seeking advice, however, and there is a variety of excellent services across Scotland that do this free, not least your local Citizen Advice Bureau or independent advice agency. I urge you to speak to them if you need debt advice and information on your individual circumstances.  In the meantime, I hope my site answers your questions and removes some of the mystery surrounding what happens when you have problem debt. To this end I have also written a page on the Debt Advice Process, so you know what to expect when you seek advice. I hope you find it informative.

Scottish Adviser

Online Tools

Time Order Tool

An Advice Scotland tool that can be use to identify whether a Time Order is an appropriate solution.

Try the Tool

Complete a Benefit Check

Maximizing your income is the first step to dealing with debt. Complete an online benefit check.

Try the Tool...

Check your Council Tax

Check your entitlement to Council Tax discounts and exemptions with Citizen Advice Scotland.

Try the Tool...

Scots Law and Debt

Sheriff Officers

Sheriff Officers and Messenger at arms are Scotland's Court Officers who enforce the recovery of debts.

Read More...

Summary Warrants

Summary Warrants are court orders used to recover tax debts owed by HMRC and councils.

Read More...

Statute Barred Debts

Can debts die with old-age? In certain conditions certain types of debts can be statute barred.

Read More...

Debt and Death

When you die, what happens to your debts? Do they get written off or do to they live on?

Read More...

Debt Advice Process

What  is the Money Advice Process that money advice agencies use to help their clients with debts.

Read More...

Diligence

Charge for Payment

Charge for Payments are legal documents served by Sheriff Officers to demand payemnt of debts.

Read More...

Wage Arrestment

Earning arrestments  are used in Scotland by creditors to attach the wages of borrowers.

Read More...

Bank Arrestment

Bank  arrestments  are used in Scotland by creditors to arrest the wage of borrowers.

Read More...

Attachment Orders

Attachment orders allow sheriff officers to seize the assets of debtors, including cars.

Read More...

Exceptional Attachment Orders

EAOs allow Sheriff Officers to  remove items from your home to pay your debts.

Read More...

What can Sheriff Officers Take?

What are sheriff Officer legally allowed to take from you when execute attachments.

Read More....

What is Summary Diligence?

Summary Diligence is a quick way that certain debts can be enforced in Scotland.

Read More...

Time To Pays

Time to Pay Directions and Orders are diligence stoppers and are intended to help those in debt.

Read More...

Debt Processes and Solutions

The Debt Arrangement Scheme

The Debt Arrangement Scheme is a formal legal repayment plan. It  is not a type of personal insolvency.

Read More...

Protected Trust Deeds

Protected Trust Deeds are unique in Scotland and are a voluntary type of personal insolvency.

Read More...

Bankruptcy

Sequestration (bankruptcy) and can be both a voluntary and involuntary form of personal insolvency.

Read More...

Minimum Asset Bankruptcy

Coming soon...

Statutory Moratoriums

A Statutory Moratorium is a remedy that gives you temporary protection from your creditors.

Read More...

Consumer Credit

Notice of Arrears

Notice of Arrears are formal notices that a lender must serve on you when you miss two installments

Read More...

Default Notices

Default Notices are formal notices that a lender must serve when they want to terminate your agreement.

Read More..

Time Orders

Time Order allow you more time to repay your debts and can prevent items being repossessed.

Read More...

Check your Credit Report

Checking your credit report is the first step you should take in dealing with your problem debts.

Read More...

Types of Debt

Council Tax Arrears

Council tax arrears are one of the most common types of debts people accrue in Scotland.

Read More...

Benefit Overpayments

Can the DWP still recover benefit over-payments once you are in a formal debt solution?

Read More...

About Advice Scotland

Scottish Adviser Blog

Visit the Scottish Adviser Blog

Read More

Privacy Policy

Reas about our Privacy Policy

Read More...

Using This Site

The site and its membership features.

Read More...