Struggling with
credit card debt?
Credit card balances can become difficult to reduce when minimum payments and interest absorb most of what you pay.
Credit card debt
Credit cards are normally unsecured borrowing. Where several cards are involved, the important figures are the total balance, current minimum payments, interest costs and how much disposable income remains after essential household spending.
A formal Scottish debt solution may be relevant where the overall debt position is no longer sustainable, but the correct route depends on all debts and assets—not the cards in isolation.
When to get help
If payments are being missed, balances keep rising, creditor contact is increasing or the monthly budget no longer works, it is sensible to review the whole position rather than trying to move money between debts.
The Scottish Debt Check is designed to collect the starting information needed for that conversation.
Questions people ask before taking the next step
Can this debt be included in a Trust Deed?
Many unsecured debts can potentially be included, but the exact treatment depends on the liability and your circumstances.
Could DAS include it?
Many debts can form part of a DAS DPP, but an approved money adviser should confirm the correct treatment.
Should I stop paying?
Do not deliberately stop or change payments based solely on website information. Get appropriate advice about priority bills and the consequences first.
You don’t have to work it all out yourself.
Answer a few questions and find out which Scottish debt options may be worth discussing.
Confidential. No commitment. For Scottish residents.