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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

Personal Insolvency Advice

Are you considering personal insolvency? Do you understand the different personal insolvency options available to you?

Different types of personal insolvency will affect:

  • The period it takes you to clear debts
  • The level of control you have over the insolvency process
  • Your ability to retain assets such as your home

It is vitally important you get professional advice before taking any action regarding personal insolvency.

Contact A1 Debt Solutions for free advice on you personal situation.

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.

How Do We Help with Debt Problems?

When you apply for our help one of our telephone advisors will listen to your situation and if appropriate we will send an expert advisor to explain all your options in detail. Our advisors will recommend a course of action to you, depending on your personal curcumstances. These range from debt management to personal insolvency.

We give thousands of people the time and space to explore all their options, never judging, always confidential, and providing active support to people in need. Most importantly we remember that our client’s problem is our problem.

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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