Are you struggling with debt?

Don’t struggle alone, see what solutions may be available

Potentially write off the debts you can’t afford to pay.

An informal arrangement to clear your debts.

Similar to an IVA but for Scottish residents.

Imposed by a court and can relieve some or all debts.

Finding the right debt solution for you...

If you’re worried about...

The Debt Advice Service may be able to help.

Together we’ll take the pressure off and aim to get you on track to becoming debt-free.

Talking to the Debt Advice Service isn’t like going to your bank, or trying to take out another loan or another new credit card. As you’ll see, our services are quick, easy, and confidential to access.

The best part of all, we don’t require any outlay or commitment. You can decide for yourself, at your own pace, whether to act or not on any of the potential solutions we tell you about. But, talking about your debt problems and realising there are ways out can be a giant first move in the right direction.

The Debt Advice Service


The Debt Advice Service is here to help you find out what your options are and to talk you through them in plain English.

The Debt Advice Service do not provide debt counselling or offer recommendations.  We only provide you with information on all relevant debt solutions that may be available for you to make an informed choice based on your circumstances.  If you wish to pursue a particular debt solution, we’ll put you in contact with a trusted partner to progress your application further.

Chat with us now to find out how we can help.

When you take the first step and get in touch with the Debt Advice Service, you’ll get:


What Our Clients Say About Us

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Listen to One Client’s Story Here

Josh is a genuine client who responded to a Debt Advice Service Facebook ad. It’s compelling listening.

He freely admits he wasn’t keen – or hopeful – about taking to us initially. He only got in touch because he was at the end of his tether, missing repayments, taking out new credit cards and payday loans to service existing debts, and having debt collectors knocking on his door.

We helped Josh reduce his overall debt level from £11,000 to £6,000, managed in one affordable payment of £90 per month.

Does Josh’s story resonate with you? If so, see if you qualify for help by clicking here.

Lucy R.
Lucy R.14-11-2020
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“Always there at the end of the phone if I have any concerns, they’ve really put my mind at ease. Can’t rate them enough. Finally on the road to being debt free. Thank you guys!”
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“I feel so much better about my debts and life has now started to get put back into perspective, so thank you very much for everything you have done!”
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“The entire experience was carried out online and via telephone calls….it was as clear as day. I wish I was bold enough years ago. I can’t recommend you enough.”
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“An absolutely excellent service. The representatives on the phone were more than polite and friendly, they made me feel so comfortable making a decision.”
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“I can’t recommend enough, they are so understanding, non-judgmental and helpful. Finally had a good night’s sleep and can see a light at the end of the tunnel.”
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“Very professional and helpful. Lifted a weight from my shoulders. Thank you.”

Get in contact with us

We understand that making that first call can be daunting

That’s why we’ve got a few different ways to get in touch

Text HELP to 84915 or call us on freephone 0800 254 5112 to start your journey to becoming debt-free.

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    Talk to us

    By clicking ‘Send Message’ you are confirming you are willing to receive information regarding debt solutions via a telephone call, email and text message and that you confirm you have read and agreed to our Privacy Policy.

    To find out more about managing your money and getting free debt advice, visit Money Helper, an independent service set up to help people manage their money. The Debt Advice Service is not associated with Money Helper.