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Write off up to 90% of your debt with a Trust Deed
Over 60,000 people in Scotland have become debt free with a Trust Deed

92%
of our customers are happy with the debt help and advice they received.
Write off up to 90% of your debt with a Trust Deed
Over 60,000 people in Scotland have become debt free with a Trust Deed
We could help you...
Reduce your monthly payments.
We'll ensure your monthly unsecured repayments are affordable
We'll deal with your lenders.
We'll handle all forms of contact with your lenders, so you know everything is dealt with properly
Start to become debt free.
We'll talk you through every option and help you become debt free

For more help and advice, visit the Money Advice Service, an independent service set up to help people manage their money. Or find out more about the different options for paying off your debt here. Trust deeds are only available in Scotland.


Term 4 years
Unsecured debt £19,033
Old monthly repayments £253
These figures are based on the averages across all Trust Deeds arranged for customers in 2017. We assess each customer individually based on their circumstances and payments to the Trust Deed are based on what is realistic and affordable. Fees Payable.
Get back on track with a Trust Deed
We are here to help you with your problem debts. Trust Deeds are a debt solution for Scottish residents that allow you to write off up to 90% of your debt. Our friendly advisors will let you know if you qualify.
If accepted you will start to make monthly payments you can afford. Typically, after four years, any debt you haven’t repaid is written off. Along the way you’ll receive exceptional support from our highly trained staff.
See if you are eligible

Term 4 years
Unsecured debt £19,033
Old monthly repayments £253
These figures are based on the averages across all Trust Deeds arranged for customers in 2017. We assess each customer individually based on their circumstances and payments to the Trust Deed are based on what is realistic and affordable. Fees Payable.
How a Trust Deed works
If you're looking to take control of your unmanagable debts and you live in Scotland, a trust deed could be right for you.
Step 1
Step 2
Step 3
How a Trust Deed works
If you're looking to take control of your unmanagable debts and you live in Scotland, a trust deed could be right for you.
Step 01
Once accepted you’ll start to make affordable monthly paymentsStep 02
The payments are then distributed to your lendersStep 03
On completion, all debt included is written off.Take control of your finances today
See if you are eligibleHere are some ways a Trust Deed could help
Legally your lenders cannot contact you or pursue you for legal action
Make affordable monthly payments based on your income and expenditure
Upon completion debts included in the Trust Deed are written off
A Trust Deed usually lasts for four years
Your interest and charges are frozen
Including all your unsecured debts: credit cards, personal loans, payday loans & CCJs
Things to consider
Your lenders are not obliged to accept the Trust Deed
Only debts included in the Trust Deed will be written off, anything not included will remain outstanding
Homeowners may be required to release equity to pay towards their debt, re-mortgaging may attract a higher interest rate. If no re-mortgage is available the Trust Deed may be extended
There will be a restriction on expenditure whilst on the Trust Deed
Your credit rating is affected for six years
If the Trust Deed fails it could lead to bankruptcy
You will be placed on the public insolvency register
Take control of your finances today
See if you are eligibleFind out if a Trust Deed is right for you
See if you are eligibleThings you might like to know...
How does a Trust Deed work?
We'll then prepare a Trust Deed proposal for your lenders. This will include:
- Details of your finances
- The terms of the proposed Trust Deed
Once accepted, the Trust Deed will be binding on your lenders and you'll start making your monthly payments for the agreed term. After your last payment, any outstanding debt, including interest and charges, will be written off. If your Trust Deed fails you are at the risk of bankruptcy.
Will a Trust Deed affect my job?
However, some employers do have rules against employing people in certain roles, who are, or have been on a Trust Deed.
The jobs affected tend to be:
- If you're responsible for money, e.g. an accountant.
- If you advise people about their money, e.g. a mortgage advisor.
Will lenders stop chasing me?
You'll be protected from any legal action from your lenders too.
Will people know i'm on a Trust Deed?
Your name will be listed on the publicly available Register of Insolvencies until one year after your Trust Deed has been discharged. To find your details on the register, someone would have to search for them.
What debts can I include?
These include:
- Personal loans
- Overdrafts
- Credit and store cards
- Catalogue debt
- Council Tax arrears
- Benefit arrears
Will my home be affected?
If you rent, your new monthly payment will leave enough money to cover your rent.
Dedicated to helping you
We're proud to be part of Wilson Andrews, one of Scotland's largest Trust Deed specialists.