Advice Scotland is a site for consumers struggling with debt in Scotland. It aims to provide reliable information about debt and what consumers can do and importantly what they cannot do. It does not offer personalised advice and is no substitute for the assistance available when you visit a Citizen Advice Bureau, or other money advice service that is regulated by the Financial Conduct Authority (FCA).
Where you require that type of advice, I urge you to seek it out.
The information that this site provides is generic and, therefore, does not take into consideration your individual circumstances, which is why getting personalised advice is important.