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  1. Get help
  2. Resources, tools, and guides
  3. Debt guides

Debt guides

Seeking money advice can feel overwhelming and complex. These guides aim to explain some of the key terms, set out the money advice process, and provide some helpful information on what you can do to prepare for money advice. Please note, these guides are not money advice. To find your nearest free money advice agency, click here.


These guides are also available in PDF format for printing, sharing with clients, etc. If you would like a copy/copies in PDF format, please complete this short form.

Preparing for Money Advice Guide

Preparing for Money Advice Guide

If you're ready to speak to a money adviser, this guide sets out some actions you can take to prepare Read more

Published: 20th March, 2025

Author: Abbey Fleming

Statutory Debt Solutions Information Guide

Statutory Debt Solutions Information Guide

This guide briefly explains the different statutory debt solutions available in Scotland and sets out some things to consider for each. Please note, if you are considering entering a statutory debt solution you should seek money advice to assess your circumstances Read more

Published: 20th March, 2025

Author: Abbey Fleming

Dealing With Creditors Guide

Dealing With Creditors Guide

This guide provides some useful information and things to consider when dealing with your creditors Read more

Published: 20th March, 2025

Author: Abbey Fleming

Debt FAQs

Debt FAQs

This guide sets out some frequently asked questions about debt and what the debt advice process Read more

Published: 20th March, 2025

Author: Abbey Fleming

Glossary of Debt Terms

Glossary of Debt Terms

This guide sets out some of the key terms you'll hear when seeking money advice and explains what they mean Read more

Published: 20th March, 2025

Author: Abbey Fleming

Council Tax Guide

Council Tax Guide

This guide explains what council tax is, what discounts and exemptions are available, and what happens if council tax bills are missed Read more

Published: 26th February, 2026

Author: Abbey Fleming

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