Not sure which solution is right for you?

That’s completely understandable. Most people who contact us don’t know whether a Protected Trust Deed, Debt Arrangement Scheme (DAS) or another solution is right for them – and they don’t need to. We’ll take the time to understand your circumstances, explain your options clearly and help you make an informed decision towards a brighter financial future.

Debt Arrangement Scheme (DAS)

DAS allows you to repay your debts with one affordable monthly payment over a timescale which works for you, with interest and charges frozen. Find out how DAS works and whether it could be the right solution for your circumstances.

Protected Trust Deed

A Protected Trust Deed is a Scottish formal debt solution that could help you regain control of your finances, paying what you can over a period of 4 years, after which any remaining debt is written off. Learn how it works, who may qualify and whether it could help you move towards a debt free future.

Sequestration

This is the Scottish form of bankruptcy and may be appropriate if you have no realistic way of repaying your debts. Learn when it may be suitable and what it could mean for your financial future.

TESTIMONIALS
Over 100+ reviews on Trustpilot
William M.
July 15, 2026
Wasn’t sure what to expect tbh when reaching out for debt advice and support. Spoke with Callum and it’s been a stress free experience. Information was clear and understandable with…
Bruce
July 15, 2026
Amazing service, Callum helped me right the way through and gave brilliant support, any questions I had he answered quick and was confidential about everything. Highly recommended.
Adam C.
July 9, 2026
The process was made easy to understand and extremely inclusive and easy to understand. Thanks Kimberley I really appreciate all the support and guidance though this process.
Marion
June 26, 2026
Excellant service from my very first text message. Callum has been amazing, I was really worried and embarrassed to ask for help but he put my mind at ease straight…
Ryan M.
June 10, 2026
Probably the best decision I've made a huge weight has been lifted i can finally breathe, they're fast efficient my debt manager Paul was quick precise didn't mess around 10/10…
Lisa R.
June 8, 2026
I knew I was digging myself further and further into a financial hole and was embarrassed by how far it had gone. Callum was so understanding and very quick at…

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Whether you’re ready to take the next step or simply want to understand your options, we’re here to help. Speak to one of our experienced advisers for free, confidential debt advice with no pressure and no obligation, just clear guidance to help you move forward.