If you are looking for an adviser or need more information and advice, you can call these organisations free of charge:

Money Advice Scotland Helpline 0800 731 4722

A helpline that provides signposting to free confidential and independent advice on how to deal with debt problems.
Opening Hours: Monday to Friday 9am - 6pm

National Debtline (www.nationaldebtline.org) Tel: 0808 808 4000

A national helpline that provides free confidential and independent advice on how to deal with debt problems.
Opening Hours: Monday to Friday 9am - 8pm and Saturday 9.30-1pm

If you are self employed or own a small business that is in need of debt advice, you can contact:

Business Debtline (www.bdl.org.uk) Tel: 0800 197 6026

An organisation that offers debt advice for self employed people living in different parts of the country.
Opening hours: Monday to Friday 9am-8pm