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Worried About Debt?

Don't struggle with debt on your own.

We offer professional, free, no obligation advice.

We will help you find the debt solution most appropriate for you.

Avoid Bankruptcy

Dont go bankrupt without speaking to us first!

We can advise you on a range of alternatives, allowing you to retain greater control over assets such as your home.

Be Free From Debt!


  • Write off debt and freeze interest
  • Reduce monthly payments and repayment period
  • Be debt free in 36 months without additional loans
  • Get Free, professional no obligation advice today

Why Choose Us?

We offer non-judgemental, confidential, honest, friendly, understanding, and impartial advice about debt matters.

We understand how important it is to have someone to talk to when the going gets tough. We are here to listen and make sense of what can often be a complex and frustrating situation, and to advise even in the most difficult and confusing circumstances.

A1 Debt Solutions offer a network of Fully Trained Independent Debt Counsellors licensed under the Consumer Credit Act 1974.

Suggestions from the Citezens Advice Bureau

The Citezens Advice Bureau have some useful advice on managing debt. They suggest collecting the following information for each debt:

  • Name and address of the creditor
  • Account or Reference Number
  • Amount you owe
  • A copy of the original debt agreement


They then suggest organising debts into 'priority debts' and 'non priority debts'.

The Citezens Advice Bureau also say that if you are unable to prioritise, or are not sure what to do next that:

"You should get advice straight away from an experienced adviser"

You can get free professional advice from A1 Debt Solutions by calling us or completing an enquiry form.

IVA

An Individual Voluntary Arrangement or I.V.A is a government backed debt repayment process.

It allows you to pay back your debts with 1 monthly payment at an affordable rate. In most cases an IVA plan will:

  • Get up to 60% of debt written off
  • Reduce your repayment period
  • Reduce your monthly repayment
  • Stop, reduce or freeze interest
  • Stop creditors chasing you
  • Remove any threat to the home you own

Debt Management

A Debt Management plan is a non binding arrangement between yourself and your creditors that allows for the negotiation of:

  • Freezing Interest
  • Increasing Payment Time
  • Reduction of Overall Debt

Usually debts are repayed as opposed to being written off.

A debt management programme lasts for as long as it takes to repay the full amount of the debt and is most suitable for smaller debts where there is a realistic chance of you being able to pay them off

Trust Deeds Scotland

Trust Deeds are a government backed repayment process. They are a formal agreement between you and your creditors, stopping all creditor demands.

This enables you to pay off your debts in affordable monthly payments over a fixed period (typically 36 months). Usually a Scottish Trust Deed will allow you to:

  • Write off debts you cannot afford
  • Reduce your repayment period
  • Get full protection from creditors
  • Get your interest frozen
  • Be debt free in 36 months

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