Scottish Debt Help is a trading style of J3 Debt Solutions, one of Scotland’s largest independent formal debt solutions providers.

We’ve already helped 1000s of people in Scotland to get their debts under control and work towards a completely fresh start with their finances.

We understand that everyone’s situation is different and specialise in finding the right debt solution for every one of our clients’ individual circumstances.

If you’ve got unsecured debts and you’re finding the repayments unmanageable while still trying to meet your ordinary costs of living, we could help!

We look at the individual circumstances of every single person that contacts us to find the right debt solution for them. We use industry recognised guidelines to assess your income and expenditure and work out what you can reasonably afford to pay towards your debts.

Typically, if an appropriate debt solution is found, the solution will then deal with all of your unsecured creditors on your behalf and all of your existing unsecured debt repayments will be replaced with one fixed, affordable monthly payment.

Your payments will then be paid over a more reasonable period of time that works for you and your creditors, and it will help you to get back in control of your finances and become debt free.

The duration of your solution will depend upon which solution you feel is best for you. We’ll explain which formal debt solutions are available and accessible to you. We also believe it’s important you understand a clear picture of all the advantages and disadvantages of each solution.

Typically, once in place, your appropriate debt solution not only gives you one, affordable payment rather than multiple, unaffordable creditor payments but also protects you from creditor action – your creditors are not legally allowed to take any further enforcement action against you for recovery of their debts; so you can start to get on with your life again, without worrying about the debts that you have.

As an organisation, we believe that all of our initial consultations should always remain free, so it costs nothing to speak to our team and work out what could be suitable for you. More information about fees for any agreed services or debt solutions provided following on from the free help and debt consultation you receive can be found here.

To find out more, simply fill in our easy online form or call us on 0141 816 0394.