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UK Wide Debt Advice Charity
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Scottish Debt Advice

Debt Advice in Scotland has grown since the recession began and because of different laws with the rest of the UK, Scotland has its own debt solutions. Debt Support Trust is a not for profit organisation providing debt advice across the UK.

Get debt advice now by calling 0800 085 0226 or by completing the debt test.


Scottish debt advice is different to the rest of the UK because the legislation is different. Scottish debt solutions include:

Protected Trust deed

A protected trust deed also known as a trust deed for short is a Scottish debt solution which is similar to an IVA in England, Wales and Northern Ireland. Click for more information on a Trust Deed in Scotland.

A protected trust deed enables you to repay what you can afford each month. It's usually a 3 year debt solution where you will be able to keep your house (although you may have to release the equity from the property) and any remaining debt (along with the interest and charges) will be cleared at the end. The proposal will enable you to repay a percentage of your debt over a fixed period of time. You should seek Scottish debt advice from a registered charity before proceeding with this solution.

To meet the criteria for a Protected Trust Deed you should

  1. Live in Scotland
  2. Have debt of at least £10,000
  3. Be able to contribute your disposable income of at least £150 towards your debt every month


Sequestration is the Scottish equivalent of bankruptcy. Scottish debt advice, like Sequestration, should be tailored to your personal and financial situation. You can be made bankrupt by one of your creditors, or you can petition for your own sequestration under a LILA or Certificate of Sequestration.

Low Income Low Asset (LILA)

A LILA is the Scottish form of a debt relief order and has been introduced in order to help people who cannot afford to pay their debt but also can't afford bankruptcy.

Certificate of Sequestration

If you are not suitable for the LILA (for example you earn too much money each week) then the Certificate of Sequestration may be the most suitable route. By clicking the link above you can read about a Certificate of Sequestration.

Debt Arrangement Scheme

The Debt Arrangement Scheme is a legally binding agreement where you repay all of the money you borrowed, similar to a debt management plan, however this solution can protect your house in Scotland. Scottish debt advice, such as the DAS, will freeze your interest and charges to help you repay your debt quicker.

Historic Scottish Debt Statistics

Through our own research Debt Support Trust has found that the average person in Scotland has £20,000 of debt.

We have also found the worst areas for protected trust deeds for 2010 and 2011. This largest amount of protected trust deeds per region was in Inverkeithing.

The highest region unemployment change between 2007 until 2010 was North Ayrshire as shown below.

Unemployment Statistics

While debt and unemployment in Scotland is high they are both lower than the average across England and Wales.

Unemployment from 2004 to 2011 are shown in the table below

Unemployment Statistics across uk

From the table above we can see Scotland has the second lowest percentage of people unemployed across the uk and is currently lower than the UK average.

Debt & Unemployment

The number of people entering a protected trust deed in Scotland has increased 51% compared to the same quarter last year which could be related to unemployment falling across Scotland.

In order to enter a protected trust deed in Scotland a person must be in employment. As a result, some people who may have been suitable for sequestration may prefer the trust deed Scotland if they have a job. For more advice and the legal information with a trust deed Scotland please click the link: Trust Deed Scotland.

Read about the available debt solutions on our debt help page.

Scottish Debt Advice

There may be a number of suitable debt solutions for somebody living in Scotland and struggling to manage their unsecured debt problem. The laws between Scotland and the rest of the UK are different so it can sometimes help to speak to a Scottish debt advice expert, such as Debt Support Trust.

Our friendly advisory team can help you determine what debt solutions would be most applicable then support you in entering your chosen solution. At Debt Support Trust our role is to provide you with accurate debt advice, providing you with the pros and cons to each scottish debt solution which will help you make an informed decision on your debt problem.

To contact a charity representative at Debt Support Trust please telephone 0800 085 0226.