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StepChange Debt Advice Scotland

Expert, impartial debt advice tailored to Scottish law.

Browse Money & Debt
Free
Self-refer

Advice is completely free and won't affect your credit score to just talk to them.

About this service

Expert, impartial debt advice tailored to Scottish law. Provides debt management plans and help with Scottish debt solutions. It is for Anyone in Scotland struggling with personal debt. Eligibility includes Available to all Scottish residents. An assessment of your budget followed by a personal action plan with recommended debt solutions. It offers kind, practical help that can make things feel clearer and easier to manage.

How they can help you

Provides debt management plans and help with Scottish debt solutions.

What to expect

An assessment of your budget followed by a personal action plan with recommended debt solutions.

What to bring

Details of income, debts, and household spending.

Who it's for

Anyone in Scotland struggling with personal debt.

Eligibility

Available to all Scottish residents.

Getting support

Eligibility
Available to all Scottish residents.
services.opening_hours
Monday to Friday, 8am - 5pm
Referral requirements
You can contact this service directly without a referral.

Trust and updates

Verification status: Needs Review

Last verified: June 13, 2026

Last updated: September 16, 2026

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Cost

Free

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