Debt solutions

Find out about our complete range of debt solutions.

Debt management plan

A new repayment plan, arranged with our help, that could make your debt repayments affordable again.

Debt consolidation loan

A new loan to help you pay off existing debts that could reduce the amount you pay each month.

IVA (Individual Voluntary Arrangement)

An affordable repayment plan that writes off the unsecured debt you can't afford, normally after five years.

Debt Arrangement Scheme (DAS)

An affordable repayment plan, protected by Scottish law, that helps you repay your debts at your own pace.

Trust Deed

An affordable repayment plan that writes off the unsecured debt you can't afford, normally after three years.

LILA

A route into bankruptcy for Scottish residents who have a low income and little in the way of assets.

Debt Relief Order (DRO)

An alternative to bankruptcy for low-earners. Writes off your unaffordable unsecured debts after a year.

Bankruptcy

A way of dealing with debts you simply can't afford to repay. Unaffordable unsecured debts are written off, normally after a year.