All pages
Every page on this site, in one list.
If you are not sure where to start, what is a trust deed? covers the basics, and Scottish debt solutions compared puts every option side by side.
Trust deeds
What a protected trust deed is, who qualifies, what it costs and how it works.
- What is a trust deed?
- How a trust deed works
- How to get a trust deed in Scotland
- Who can get a trust deed?
- Trust deed pros and cons
- Is a trust deed a good idea?
- What a trust deed costs
- How your trust deed payment is worked out
- What happens if you miss a trust deed payment?
- Can you take a payment break in a trust deed?
- How long does a trust deed last?
- Can you pay off a trust deed early?
- Which debts can go into a trust deed?
- How a trust deed becomes protected
- The Register of Insolvencies
- Getting discharged from a trust deed
- What happens if a trust deed fails?
- Before you sign a trust deed
Life in a trust deed
Your home, car, job, credit file and family while a trust deed runs.
- Your home and a trust deed
- Getting a mortgage after a trust deed
- Your car and a trust deed
- Car finance during or after a trust deed
- How a trust deed affects your credit rating
- Rebuilding your credit after a trust deed
- Will a trust deed affect my job?
- Bank accounts and a trust deed
- Pensions and a trust deed
- Windfalls and inheritance in a trust deed
- Partners, family and joint debts
- Trust deeds for the self-employed
- Trust deeds and benefits
- If your circumstances change
Scottish debt solutions
Trust deeds compared with DAS, sequestration, MAP and informal plans.
- Free debt advice in Scotland
- Choosing between the Scottish debt solutions
- The Debt Arrangement Scheme (DAS)
- How to apply for the Debt Arrangement Scheme
- How long does the Debt Arrangement Scheme last?
- Debt Arrangement Scheme pros and cons
- The DAS Register
- Sequestration (bankruptcy in Scotland)
- How to apply for bankruptcy in Scotland
- How long does sequestration last?
- Your home and sequestration
- The Minimal Asset Process (MAP)
- The Scottish moratorium on diligence
- The Common Financial Tool (standard financial statement)
- Debt management plans in Scotland
- Debt consolidation in Scotland
- Trust deed or sequestration?
- Trust deed or DAS?
- Can you get an IVA in Scotland?
- Are debt relief orders available in Scotland?
- Can you write off debt in Scotland?
Sheriff officers and courts
Arrestments, charges for payment, decrees and your rights under Scots law.
- Sheriff officers: your rights
- Are there bailiffs in Scotland?
- Simple procedure in Scotland
- If you receive a simple procedure claim
- What is a decree in Scotland?
- Are there CCJs in Scotland?
- What is a summary warrant?
- What is a charge for payment?
- Asking the court for time to pay
- Earnings arrestment (wage arrestment)
- How to stop a wage arrestment
- Bank arrestment in Scotland
- Council tax arrears in Scotland
- Exceptional attachment orders
- Inhibition: when a creditor stops you selling
- Statute-barred debt in Scotland
- Debt collectors in Scotland
Priority debts
Council tax, rent, mortgage and benefit debts that need dealing with first.
Types of debt
Credit cards, loans, buy now pay later and other everyday debts.
Money help
Crisis grants, Scottish benefits, wellbeing, and checking who to trust.
About us
Who we are, how the service works and how it is paid for.
Policies
Privacy, complaints and our other policies.
Get in touch
If you would rather talk than read.