Debt Advice and Information Package - Page 3

There are many ways to deal with debt. Money advisers can look at your individual circumstances and help you decide what is best for you. They can help you decide if you are able to make any payments and help you negotiate with your creditors. They can assist you or represent you at court hearings. They can also advise you on ways to maximise your income and how to deal with emergencies, for example, if your bank account is frozen or your gas is cut off.

A booklet entitled "Debt and the Consequences" is available from:

The Accountant in Bankruptcy

0300 200 2600

www.aib.gov.uk

Also online at: www.moneyscotland.gov.uk

The Accountant in Bankruptcy also publishes information regarding bankruptcy, trust deeds and the Debt Arrangement Scheme.

There are a number of organisations who provide free, confidential and impartial advice. These include:

• Money Advice Scotland 0141 572 0237 www.moneyadvicescotland.org.uk
• Citizens Advice Scotland 0845 450 0351 www.cas.org.uk
• Scottish Debtline 0800 138 3328 www.scottishdebtline.co.uk
• National Debtline 0808 808 4000 www.nationaldebtline.co.uk

You can also consult a solicitor or a financial adviser. They may charge a fee. If your circumstances allow, you may be entitled to legal aid to help with the cost of a solicitor