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Dealing with Debt: Finding your feet: Advice for you if you are in debt


Help yourself deal with your debt

Even though it may seem that there is little you can do to help yourself, in fact there is more than you probably think.

  • Firstly, don't panic.
  • Secondly, get in touch with free money advice services or a solicitor.

Either phone an advice agency for an appointment or phone National Debtline or Consumer Credit Counselling Service to speak to a trained money adviser who will talk you through your problems and work with you to try to improve your situation. Money Advice Scotland can put you in touch with a local agency. You can also get details of your local citizens advice bureau through Citizens Advice Scotland. Contact details are listed here.

You can also consult a solicitor. The solicitor may charge a fee but, if your circumstances allow, you may be able to get legal aid or the solicitor may provide an initial interview free of charge.

  • Thirdly, and most importantly, don't ignore the situation - it can only get worse. With help, you should be able to improve things in both the short and long term.