*Please note, entering into a debt solution can affect your credit rating for at least 72 months, fees may be payable if ongoing services are provided. A follow up call will be required to confirm details outlined in your enquiry, at which point we will be able to discuss which solutions you qualify for.
Check If You Qualify
Check If You Qualify
*Please note, entering into a debt solution can affect your credit rating for at least 72 months, fees may be payable if ongoing services are provided. A follow up call will be required to confirm details outlined in your enquiry, at which point we will be able to discuss which solutions you qualify for.
Already helped thousands
Non-judgmental, friendly help
Stop creditor pressure
We can help you find your exact debt information
All debts into one affordable, lower payment
To find other sources of free advice visit MoneyHelper. It’s here to listen and give free, impartial, trusted guidance. Based around you and backed by government.
How debt solutions can help?
Reduce Your Monthly Payments
We’ve already helped 1000s of people to access statutory debt solutions in Scotland. Where qualifying, a statutory debt solution will, typically, reduce unaffordable debt repayments into one, affordable payment.
Take Control
1000s of people are becoming debt free each year using debt solutions. Get back in control and start living again.
Stop Lender Contact
Constant lender contact can be difficult to deal with and isolating so, where applicable, we aim to stop this and provide legal protection from sheriffs and courts.
Friendly and confidential service
After an initial consultation and fact find on your situation, advice and information is provided on formal debt solutions in Scotland where suitable. We are here to help when times are getting tough.
*Please note, entering into a debt solution can affect your credit rating for at least 72 months, fees may be payable if ongoing services are provided. A follow up call will be required to confirm details outlined in your enquiry, at which point we will be able to discuss which solutions you qualify for.
What we do
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 846 3490.
How do we do it
From the moment you first get in touch with us, we do everything we can to get you the right debt solution for your individual circumstances.
We’ll explain everything to you clearly and cover every detail; making sure we take the time to help you understand every possible outcome and each step of the process, to enable you to make an informed decision.
There’s no rushing, no pushing, just clear, detailed information from our friendly and experienced debt help team. Anything you’re unsure of, we’ll take the time to help you to understand and arm you with all the knowledge you need to make the correct decision for your future.
Need help with debts? Get in touch with us today.
How it Works
Phone us or complete an eligibility form online
Speak to us so we can understand what you need and talk through your options
You make an informed decision on what solution is right for you
See some of our
real life success stories
Here are some real life examples of how a debt solution could work.
Adam was £32,000 in debt
Current Monthly Payments
Payment Reduction
New Monthly Payments
Andrea was
£13,000 in debt
Current Monthly Payments
Payment Reduction
New Monthly Payments
Clare was
£32,000 In debt
Current Monthly Payments
Payment Reduction
New Monthly Payments
These are real examples but outcomes of a debt solution and the monthly repayments vary based on individual circumstances.
Debts that are covered
Helpline 0141 846 2608
Benefit overpayment
Catalogue, store & credit cards
Court judgements
HMRC debt & council tax arrears
Loans & overdrafts
Rent, gas & electricity
