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Debt Management

Professional and confidential help from our friendly advisors.

Debt Management Scotland

Debt Advice Scotland provides a Debt Management service throughout Scotland.

Debts can soon mount up and the feeling that there is no way out is one that affects many people; in fact, the ‘unmanageable debt problem’ is often the point that people see our advice.

Debt Advice Scotland can help you by offering honest, impartial advice on the best debt management options available to you.

Debt Management Plan

All too often, many customers take out consolidation loans – paying off several debts with one loan, so that they can make one more-affordable monthly payment - to try and become debt free. For some people, this can work but for others who have several debts, spiralling interests and charges, this is not an option.

A debt management plan is not another loan but a realistic payment plan that covers all your debt repayments.

Step 1: Create your personalised payment plan

Using your current financial situation, we will propose a monthly payment plan to all your creditors.

Your creditors to do not have to accept the payment offer made to them under the payment plan, but in our experience, very few creditors refuse regular payments.

Step 2: Make one monthly payment

This monthly payment is then proportionately shared around your creditors, making sure that they are all treated fairly.

Step 3: Watch your debt shrink

By negotiating on your behalf, we can help you reduce your debt by up to 25% (in some cases). Effective payment plans will make your debts manageable.

Step 4: Stay in touch

Your payment plan is personalised to your financial circumstances but we also recognise that circumstances change; if this is the case and you need to pay less (or more) then we may be able to negotiate this on your behalf.

Come to Debt Advice Scotland can help you enjoy a debt-free future by dealing with your creditors on your behalf, offer you impartial debt advice and create a payment plan suitable for your financial circumstances.

Where We Can Help

Debt Advice Scotland provides debt management services for customers throughout Scotland, including:

Debt Management GlasgowDebt Management EdinburghDebt Management AberdeenDebt Management DundeeDebt Management InvernessDebt Management Perth, Debt Management Stirling, Debt Management Paisley, Debt Management Cumbernauld, Debt Management Livingston, Debt Management Motherwell.