When you find yourself facing financial worries it can be a frightening experience. It is easy to feel lost, unsure of where to turn for advice, but at Scottish Debt Adviser our experience in finding solutions to debt problems means we are well placed to offer the best impartial advice. With our team of experts we can find the best option for your circumstances, putting in place a plan and working with you from your first contact with us until you make the final repayment, leaving you debt free.
At every step along the way we will remain available to you, explaining the whole process in detail and giving you the information to regain control of your finances. We always aim to provide personalised advice, guiding you through an otherwise stressful and confusing experience, keeping you fully informed at every stage of your journey.
Our highly-trained team have gained a reputation for finding solutions to financial difficulties in an open and transparent fashion, giving you accurate and appropriate advice as you move towards a conclusion of your financial worries.
Are you ready to be debt free?
Your journey towards a life free from debt begins by getting in touch with our friendly and experienced team. At Scottish Debt Adviser we are trained to quickly and accurately build a full picture of your finances, one of the most important steps in moving towards your solution.
Finding yourself in a situation where it feels like you have lost control financially can be overwhelming, and just talking about your debt can seem like an impossible task. We understand the need for discretion and consideration, and do our best to make your first step as easy as possible. Our team can assist you by phone or make an appointment in one of our private rooms, meaning that your first consultation takes place in an environment where you feel comfortable and confident.
Assessing your financial situation
The first part of the process involves gauging your finances, establishing how much of your monthly income is ‘disposable’ and allowing our experts to plot a path towards you becoming debt free. Bringing together the correspondence and paperwork relating to your personal finances is not an easy task. Bills and letters can often be lost or unopened, and some statements missing, but we will gather together all the information available and quickly build an accurate picture of your finances. By doing so we are able fully understand your situation, and establish a solution suited to your particular needs.
Our team will never rush you or force you into any quick decisions. Our priority is always to inform you of your options and guide you towards a suitable plan – which is to solve your financial problems and leave you debt free.
Keeping you informed and in control
When you seek advice about your financial situation, it is important that you are dealing with people you can trust. At Scottish Debt Advisers we always aim to deal with you in an ethical manner, prioritising your needs. We won’t push you into a plan you don’t feel comfortable with. Instead our team will work closely to make sure you have all the information necessary to make the best decision for you and your family. We will always be available to help with any questions you have about our process, at all stages. Taking full control of your finances once again can be daunting, and we will always be on hand to make it as easy as possible. Your queries – however simple they may seem – are an important part of building the best solution, so we will make sure you are fully informed from the first step to the last.
Building a plan to become debt free is one of the most important decisions you will have to make, so we will always be honest about any potential disadvantages from the steps you are taking while we detail the advantages of each option. Many solutions carry implications which can continue to affect your financial future, and as well as clearly explaining any fees which will be incurred through the process we will also outline the long-term effects of each decision you make.
We act on your behalf
While we fully empower you to take your own decisions, we don’t just guide you along the way. Our experienced and highly-trained team will also act totally on your behalf, negotiating with creditors and representing you as you build your solution. We have gained a reputation for finding effective solutions and we are always aware of the importance minimising the stress and strain financial difficulties can bring.
It is important to us that whichever solution you chose, and whatever repayment plan in put in place, that it is managed properly. We will ensure that your creditors are paid, and that your repayment plan stays on track.
We want you to feel confident that once you begin your plan it will stay under control. With Scottish Debt Adviser acting on your behalf we are able to negotiate with your creditors and with government agencies. Our experience in this area means that we understand how to successfully get you the best and fairest deal, and our team’s track record in securing creditor support for our payment plans means that you can be confident once we establish a plan that it is a reasonable and fair one for all parties.
Knowing when you will become debt free
Once a plan is in place it is important that you know exactly just how long it will take. The length of each payment plan depends on each individual’s circumstances and which particular solution they have opted for. One of the most crucial aspects which will define the length of a plan is establishing a reliable procedure for making repayments, but the length of time can range from months to years.
A Debt Arrangement Scheme can last for a period of up to 10 years, while a Trust Deed can usually be expected to last around 48 months. Meanwhile, Sequestration (a process referring to bankruptcy) can be much shorter, taking around 12 months, with repayments continuing for 4 years.
Throughout the process we will keep full records of your plan and make the payments to your creditors on your behalf.
A service you can rely on
At Scottish Debt Advisers we are regulated by the Financial Conduct Authority, so in addition to our experience and the expert training our team undergoes, you can be confident that we will administer your solution efficiently and fairly.
Through our advice and information we aim to allow you to select the very best solution for your needs. Whatever option you choose we will do our utmost to achieve the best situation for you and your family, always working to protect you home, car and any other assets while at the same time pursuing a fair and reasonable solution for your creditors. You can be sure that our professional and friendly team will always represent your interests fully, no matter which debt solution you choose.
Once you begin that process towards becoming debt free we will ensure that you are fully up-to-date with how your financial situation. Just because we are acting on your behalf does not mean you will have no control or understanding of your day-to-day finances. We will regularly update you about where you are in your plan, and how far along the process you have travelled. With Scottish Debt Adviser you will always know exactly how and when you will become financially solvent again.
It is our aim to make you debt-free again as quickly and simply as possible, protecting your home and family from your financial situation and the threat of legal action, and our expert team are ready to work with you as soon as you are ready to take the first step towards tackling your debt by contacting them for a consultation.