Debt Level

Amount of debt you have
Unsecured debts such as: Credit Cards, Council Tax Arrears, Store Cards, Catalogues, Personal Loans, Bank Overdrafts. Credit Unions, Mortgage Shortfalls, Car Finance, HMRC Bills
£1,000 £50,000
Amount you can afford each month
All debt solutions are based on your affordability to repay each month
50 Per Month800 Per Month

Get Help With Your Unmanageable Debts

Work out what you could be paying towards your debts with our debt calculator tool.


Scottish Trust Deed

Calculate how much you would repay if you were to pursue the Scottish Trust Deed route. Using the Scottish Trust Deed as your debt remedy method, you may be able to write off some of your debts. 60-80% can be written off this way.


DAS Scotland

Calculate how much you would repay if you were to pursue the Debt Arrangement Scheme route. A DAS will help you get interest and charges frozen and give you a bit of comfort knowing your monthly repayments have been fairly assessed.



Calculate how much you would repay if you were to pursue the Sequestration route. That may be a Minimal Asset Process, or Full Administration route depending on how much you owe your creditors and the assets that you do, or do not own.


How will Debt Helpline Scotland help me?

Debt Helpline Scotland is a professional debt advice company in the private sector. We give free and confidential advice and have helped thousands of people in Scotland break free from their personal debt. We understand that having unmanageable debt is stressful, and that struggling with repayments can leave you feeling at your wits' end.

  • Step 1: See if you qualify.
  • Step 2: Find out what your options are.
  • Step 3: Agree your repayment terms.
  • Step 4: Take the first steps to becoming debt free .

Instant Help With Debts. We're here to help you!

Each individual's situation differs from one person to the next.

Have a non-judgemental, confidential chat with one of our highly trained helpline advisors. They know Scottish debt inside out.

1. Do You Qualify?

Talk to one of our qualified and experienced team members about your current debt situation.

2. Your Options

Find out options available to you, and get the right advice, tailored to your individual needs.

3. Repayment Terms

You choose the debt repayment option that works best for you, on your own terms. Whatever you decide, whatever solution works best for you, you can sleep easier at night knowing you have an affordable way out of debt.

4. Become Debt Free

Enjoy peace of mind with a tailored, personalised, affordable plan that can help you to achieve your debt free goal. We're routing for you every step of the way.


Debt Helpline Scotland - Typical Client Questions

At Debt Helpline Scotland, we get asked questions all the time. While each case varies from one to the next, you can be assured that we've experienced every scenario you can think of. Anything you want to ask us, we'll treat in a non-judgemental manner. And always in complete confidence.

Am I Eligible for a Debt Arrangement Scheme?

If you are a Scottish resident and have unsecured debt that you are struggling with, you may be eligible for a DAS.

However, you must first seek advice from a qualified money adviser who will then advise if this is the best solution for you, based on your situation.

Am I eligible for a Scottish Trust Deed?

Scottish Trust Deeds are only available to Scottish residents and you must have lived in Scotland for at least six months before you apply.

If you are based in England or Wales, then a well-known debt solution known as an Individual Voluntary Arrangement may be a suitable alternative for you. Or DRO.

Can I arrange my own legislated solution?


A Scottish Trust Deed must be arranged by a licensed Insolvency Practitioner.

A Debt Arrangement Scheme can only be setup by a qualified money advisor.

If you decide that you want to manage your debts yourself, you can do this by contacting creditors and proposing fair pro-rata payments. Using this technique doesn’t mean your creditors will freeze your interest and charges.

Will I have to sell my home in a Scottish Trust Deed?

If you are a homeowner, the difference between the value of your home and how much you owe to your mortgage provider, known as equity is determined in the beginning. If you have high equity, then this may need to be released to your Trustee to be paid to your creditors.

Each case is different, but it is highly unlikely that the Trustee will force you to sell your home.

Do I need a minimum level of debt?

Scottish Trust Deeds are specific to an individual’s circumstances.

Generally, you need over £5,000 for this debt solution.

However, there are numerous factors considered when choosing the right solution for you, try our Debt Calculator above for more information.

There is no legal minimum debt level for a DAS, however this can be arranged from as little as £3,000 depending on your case.

DAS vs Trust Deeds?

When working on how to get help with debt in Scotland, it can be confusing when you find out about the main debt remedy tools.

Sometimes you may qualify for several options and there won’t be much difference in the finer detail. Sometimes the differences are huge.

It’s why you should always seek professional help with debt. Advice that explains the pros and cons of any potential solution that you apply for.