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.
For people living in Scotland. Checking your options does not commit you to a debt solution.
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 | ✓ | ✓ |
The right option depends on more than how much you owe.
Income, household expenditure, assets, property, debt types and your longer-term circumstances can all matter.
Not automatically. Your property and equity position need to be assessed carefully before any recommendation is made.
That depends on the vehicle's value, finance arrangements and whether it is reasonably required.
Specific employment contracts and professions can have rules, so this should be checked before entering a formal solution.
Formal debt solutions can have a significant negative impact on your credit record.
Certain arrears may be capable of inclusion depending on the debt solution and circumstances.
A Trust Deed may not be available, but other options such as DAS may still be worth discussing.
Still unsure? That's normal.
You don't need to work everything out before making an enquiry.
Clear Information
Understand how each option actually 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 doesn't replace regulated advice.
Take a few minutes to check which Scottish debt solutions may be worth discussing.
Confidential. No commitment. For Scottish residents.