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