Take control of debt

If you have debt and are worried about how best to deal with it, you're not alone. Anyone can find themselves overwhelmed by debt, but there's plenty of support and advice available to help you manage it.

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Find the help you need to get on top of debt

Anyone can run into problems with debt. And these problems are different for everyone. Many of us have missed a payment without noticing. This can quickly lead to spiralling costs that become unaffordable. 

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Dealing with problem debt

Problem debt could come from credit card debt that has gotten out of control, overdraft fees, or from unpaid bills. It's important to reach out for support as soon as you find yourself in trouble or ideally before it becomes a problem. 

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Find help to get control of debt

We have links to trusted sources that offer support and advice. These services are there to help, so make the most of them. You are entitled to the right support. 

StepChange Debt Charity Scotland provide debt advice and a range of practical solutions. They help people with their money worries through an online debt help service available 24/7 and a free helpline. They also have a free guide on how to manage with debt in Scotland.

Christians Against Poverty is a charity that focuses on the issues surrounding debt. They offer practical advice as well as emotional support for those whose debt problems are affecting their wellbeing. 

Access free support online from Citizen Advice Scotland's public advice site, including information on budgeting, what to do if you're struggling to pay your bills and dealing with debt. 

National Debtline provides free advice and resources to help you deal with your debts. 

Business Debtline provides free debt advice to small businesses and people who are self-employed. 

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Organisations that can help

Cash First Referral Leaflets

IFAN's cash first referral leaflets are step-by-step guides for anyone facing money worries, on how to access local advice and support to maximise their income.

Visit website

Keywords

  • benefit calculator
  • debt advice

Business Debtline

Business Debtline provides free debt advice to small businesses and people who are self-employed. You can access Business Debtline over the phone, through the website and via web chat.

Visit website 0800 197 6026

Keywords

  • business
  • debt advice
  • debt solutions

National Debtline

National Debtline provides free advice and resources to help you deal with your debts. You can access National Debtline over the phone, through the website or via their web chat service.

Visit website 0808 808 4000

Keywords

  • debt advice
  • debt solutions

Christians Against Poverty

Christians Against Poverty (CAP) specialise in providing community based debt help, with the option of appointments from the privacy and comfort of your own home. Through their person centred approach you'll be given the support you need, including emergency aid where needed, every step of the way to becoming debt free. 

Visit website 0800 328 0006

Keywords

  • debt advice
  • debt arrangement scheme
  • debt solutions

StepChange Debt Charity Scotland

StepChange Debt Charity Scotland offers free, impartial debt advice and practical solutions to help you take back control of your finances. 

Visit website 0800 138 1111

Keywords

  • budgeting
  • debt advice
  • debt arrangement scheme
  • debt solutions
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