Debts in the News
Sporting goods thefts 'could contribute to debt problems'
People not wanting to add to their debt concerns may want to make sure their home goods are not vulnerable to thieves, it has been advised. [more...]

School uniform prices adding to parental debt woe?
The high prices parents face when paying for school uniforms could be increasing their debt concerns, it has been suggested. [more...]

The self-employed unable to repay debts?
A number of self-employed workers in the UK cannot afford to pay their debts, it has been suggested. [more...]

Coalition cuts to raise debt help need for the poor?
The poorest households in Britain may need debt help management after it has been revealed the coalition government's emergency budget has hit society's least well-off the hardest. [more...]

Scotland Debt Management and Debt Consolidation

Scotland Debt Management and Debt Consolidation

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Abacus offer UK Residents Advice on Debt in Scotland including Aberdeen, Aberdeenshire, Argyllshire, Borders, Dumfries, Dumfriesshire, Dundee, East Lothian, Edinburgh, Fife, Glasgow, Grampian Highlands, Inverness, Lothian, Stirling, West Coast and West Lothian.

Ways we can help»

Scotland Debt Management

Debt Management can reduce your monthly repayments by up to 70%. All existing credit cards, loans and other problem debts are consolidated into one lower monthly payment. Submit the Instant Advice form and we'll explain how you may be able to pay back less than you owe, but still clear all your debts. more »


Debt Consolidation Loans

Refused a Loans ? We can help people in Scotland find a secured or unsecured debt consolidation loan. Even if you have bad credit, a County Court Judgment (CCJ) or have bad credit and been declined a loan already, we can help. We specialise in Debt Consolidation solutions of all types, offering free debt advice to residents of Scotland as to their best option. more »


Repossession Help in Scotland

Abacus have call help homeonwers in Scotland avoid repossessions. We can help if you are a homeowner with mortgage arrears, council tenant or with a housing association. It's never too late to get help. more »

Bankruptcy Advice & IVAs

Avoid Bankruptcy. An IVA may be the solution. This is a legal process offering an alternative to bankruptcy to those with unsecured credit repayments they can't afford. Become debt free in 60 months with up to 70% of all debts written off. Impartial advice, free consulation. more »

Debt Help Information & Guides

A series of informative articles to help and advise UK Citizens who are experiencing financial problems. more »

"We can be managing all your debts within 24 hours"

Debt Management Examples

Our database of real debt managament case studies shows how debt management helps people with wide range of financial and personal circumstances.

View Debt Management Case Studies »

Most Recent Cast Study:-

£58,000 of debt - but can't do an IVA.

Debt: £58,000 Was paying: £1267/month
Now paying: £300/month
Client has £200,000 equity in his home & unsecured debts of £58,000. His assets are more than his debts, but he can't pay 11 creditors from a monthly income of £1,060.
An IVA is not possible as his creditors would never agreed to forgive any debt when he could repay them in full by selling his property. The client does not want to remortage as he has recently become self employed and does not want to risk his home if that does not go to plan. Debt management will never pay off this debt, but it gives our client some respite from his creditors while he focuses on building his business without the fear or court action or losing his home.
static link to this case study: DMCaseStudy100.asp

Debt Management FAQ

Got a question about our debt management service?
View Debt Management FAQ »

3 Random Q&A's from the database:-

1. Should i ignore contact from my creditors now you are managing credit repayments?

No, under guidelines issued by the Office of Fair Trading, we are not allowed to advise you do this. It may be the case the a particular debt management company is incompetent and not making correct payments. The creditors would need to be able to advise their client of this. Should they contact you, listen to what they have to say and politely tell them Abacus are now handling your finances are refer them to ourselves.

2. Can I do debt management if I already have CCJ's against these debts ?

Yes. You can even use the plan to make payments against any existing CCJ's that you have. Just make sure that we know exactly what your current situation is when you talk to us before coming on plan.

3. Does the Payment Plan cover all of my debts ?

No. A debt repayment plan can only cover your unsecured debts and potenitally some other outstanding debts. See Debts included in Debt Management for details.

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