We offer the typical range of options as a remedy to your debt problems. 

Please note we specialise only in Scottish Law and, only exceptionally, take on cases in other jurisdictions.

We generally start our advice, not by looking at options, nor by asking you about your income / expenses, rather, by explaining what your true legal position actually is.  Is it actually as bad as you think or fear?  If you have been subjected to many demands for payment, and threats of court action, perhaps from multiple creditors, it is easy to lose perspective.   The Scottish Government has refined and introduced a number of laws which give protection and we can describe how these apply to your personal case. 

Often, there are situations where one remedy alone does not solve the problem, rather a mixture and balance of options requires to be used.  We can describe how this can be done, being tailored to your personal case, using balance and judgement.

Neither are debt problems always cleanly divided into business and personal debts.  Using consumer credit cards to finance the cash flow of your business can be a common problem, as are personal guarantees being called up.  We can advise on how to deal with a mixture of business, tax and consumer credit debt.

Sometimes, there may be no obvious option.  We can advise on tactics on dealing with creditors - we have probably dealt with most of them, many times, over the years, and as a result, we have observed how each of them works.