Scotland Debt Solutions

Scottish debt advice from a firm trading since 1989

Scotland Debt Solutions presents itself as a practice dedicated to helping people in Scotland who are struggling with unmanageable personal debt above £5,000. The firm states that it has provided debt help and advice to thousands of Scots over the last thirty years and that it does not judge how debts arose, applying the same objective to every case: getting the client out of debt.

It operates as a trading name of BTG Consulting plc. Its insolvency practitioners are described as licensed by the Insolvency Practitioners Association, the Institute of Chartered Accountants in England and Wales and the Institute of Chartered Accountants of Scotland. The firm also states that it is authorised and regulated by the Financial Conduct Authority for advice relating to Debt Arrangement Schemes, and that its practitioners are regulated by ICAS or the IPA when advising on formal insolvency proceedings.

Formal debt solutions covered

The core of the service is guidance on the formal options available under Scottish rules, with the firm explaining each mechanism and helping the client identify which fits their circumstances.

• Trust Deed: a monthly contribution towards debts for up to four years, after which any remaining debt included in the arrangement does not need to be paid.
• Debt Arrangement Scheme (DAS): repayment of debt through a series of manageable instalments over a reasonable period.
• Sequestration: the Scottish form of bankruptcy, presented as a possible route for those without the means to repay their debts.
• Debt Report: a personalised report based on income and outgoings that suggests the most appropriate way forward.

The firm also addresses common questions raised by clients, such as whether the home is secure and how a solution may affect the credit rating.

Personal and business debt problems

On the personal side, the practice lists overdrafts, store and credit card debts, car payments, County Court Judgments, utility bills, council tax arrears, mortgage and rent arrears, payday loans, personal tax debts and sheriff officers among the situations it handles.

For businesses, it works with sole traders and limited company directors on financial difficulties including money owed to HMRC. The corporate procedures named are company administration, company voluntary arrangement, compulsory liquidation, creditors' voluntary liquidation and members' voluntary liquidation.

How the process works

The firm describes a three-step route: the client completes an online debt calculator, an advisor discusses the available options and recommends a course of action, and the client then chooses the option that suits their personal circumstances. A qualification check asks for total debt band, employment status, monthly income and the amount that could be paid monthly towards debts.

Advice is presented as free and confidential, with the stated commitment that personal information supplied through the enquiry form is used only to respond to that enquiry and not for marketing. The site notes that fees apply to the services and that these are explained in full before any commitment; it also warns that the solutions may not be suitable in all circumstances and that the credit rating may be affected. MoneyHelper is cited as a free, independent service offering debt counselling, debt adjusting and credit information services.

Five local offices and home visits

The practice maintains five offices in Scotland — Aberdeen, Dundee, Edinburgh, Glasgow and Inverness — and states that this gives coverage from Gretna up to the Highlands. Appointments can be made at any of them, and the firm also arranges home visits or meetings at another preferred location anywhere in the country for a confidential discussion of the client's circumstances.

Beyond the offices, the firm offers a scheduled callback service and contact through WhatsApp for immediate help, and publishes tips, news articles, FAQs and success stories on its site.