The following organisations can provide free advice and support services if you are dealing with debt and/ or the bankruptcy process

• Money Advice Scotland - national umbrella organisation which promotes the development of free, independent, impartial and confidential debt advice
  
   
• Citizens Advice Scotland - give free, confidential, impartial and independent advice and information on a wide range of subjects, including debt and money advice
  
   
• National Debtline Scotland - telephone helpline providing confidential and independent advice on how to deal with debt problems 
   
• StepChange Debt Charity - free, anonymous debt advice and debt management solutions provided by a UK debt charity, formerly known as the Consumer Credit Counselling Service (CCCS).
  
   
• Partnership Action for Continuing Employment (PACE) - Scottish Government initiative dedicated to helping individuals and employers with the advice and support they need when faced with redundancy
  
   
• HM Revenue & Customs - if you've just become unemployed, you may be able to claim back some of the Income Tax you've paid
  
   
• Trading Standards in Scotland - an association of professional officers representing every Scottish local authority trading standards service
  
   
• Institute of Chartered Accountants of Scotland (ICAS) - to help find an insolvency practitioner
  
   
• The Law Society - to help find a solicitor who specialises in bankruptcy