WBDebtcare: here to help

It may not be the first thing on our minds when a loved one passes away but dealing with an insolvent estate after a death can be emotive as well as complex.

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Why choose us

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We are the longest standing provider of Insolvency Services to the Scottish Government.
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We have a team of fully licensed and qualified debt professionals.
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We have been offering advice on debt solutions for over 40 years.
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We provide our service to the whole of Scotland. By phone, online and in person.
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We are your one stop shop for debt advice, solutions and delivery. We will not refer you elsewhere.

How we can help…

It is a common misconception that that a debt in written off after an individual passes away. This is untrue as any debts need to be paid from the deceased estate before any beneficiaries receive any inheritance.

payment plans

Debt Arrangement Scheme

Pay off your debts over a series of manageable payments, without worrying about charges or interest.

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affordable creditor agreement

Trust Deeds

make monthly contributions towards your debt over 4 years, after which all remaining debt will be wiped out.

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a fresh start


Sequestration is the Scottish version of bankruptcy and may be suitable for you if you do not have the money to pay back what you owe.

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Is a DAS right for you?

Watch to find out why a Debt Arrangement Scheme might be one of our three solutions that’s right for you.

how we
helped Mrs B

Trust Deeds, Unsecure debt

Mrs B’s story

Mrs B had around £39,000 of unsecured debts which she was struggling to repay through her high minimum monthly payments. She signed a Trust Deed which meant she could write off unaffordable debt after the agreed period.

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Mrs B’s story
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To find out more about managing your money and getting free advice, visit Money Helper, an independent service set up to help people manage their money.