Find out whether a Protected Trust Deed or Debt Arrangement Scheme could reduce the pressure, bring your debts into one structured plan and give you a clearer way forward.
Your circumstances are treated privately.
Checking your options doesn't mean agreeing to anything.
Trust Deeds and DAS are Scottish statutory debt solutions.
You may be making several payments every month and still feel as though the balances are barely moving.
Depending on your circumstances, a Scottish debt solution may allow you to deal with multiple unsecured debts through one structured monthly payment based on what you can realistically afford.
Check What Options I HaveAny payment will depend on your income, expenditure, debts and individual circumstances.
A formal Scottish debt solution that may write off qualifying remaining unsecured debt after successful completion.
Repay what you owe through a structured Debt Payment Programme based on what you can reasonably afford.
You don't need to decide before speaking to someone.
| Feature | Protected Trust Deed | DAS |
|---|---|---|
| One structured payment | ✓ | ✓ |
| Interest & charges frozen | ✓ | ✓ |
| Creditor protection | ✓ | ✓ |
| Potential qualifying debt write-off | ✓ | — |
| Repay included principal debt in full | Not normally | Yes |
| Property position needs considered | Yes | Yes, but differently |
| Payment based on affordability | ✓ | ✓ |
Not automatically. Your property and equity position need to be assessed before any formal recommendation is made.
That depends on the vehicle, any finance, its value and whether it is reasonably required.
Formal debt solutions can have a significant negative impact on your credit record.
A Trust Deed cannot be granted where total debts are below £5,000, but other routes may still be available.
Clear Information
Understand how each option works.
Individual Assessment
Debt solutions should reflect your circumstances.
Scottish Focus
Information specifically around Scottish debt solutions.
No Pressure to Decide Online
The website starts the conversation; it does not replace regulated advice.
Answer a few questions and find out which Scottish debt options may be worth discussing.
Confidential. No commitment. For Scottish residents.