Many people owe money and sometimes may find it difficult to deal with their debts.
Looking for help?
What is best for you will depend on a number of factors, including your personal circumstances and whether you have any property or assets. The Scottish Government has published a booklet called Debt and the Consequences to help explain what can happen if you have problem debt and outlines some of the options available.
Accountant in Bankruptcy cannot give advice on what you should do, but can provide information on formal debt products and where suitable advice is available.
Scotland's Debt Guide - a handbook to help guide you getting free and impartial help with debt has been developed by Stepchange Debt Charity and may be of assistance.
How to deal with debt guide - a guide that helps people take the steps they need to deal with their debts has been developed by Money Advice Trust Scotland and may also help.
Before entering into any debt solution you should seek advice from a money adviser.
The links below will take you to information and guidance on AiB services and help.
The Scottish Government has also produced a range of booklets providing details of organisations throughout Scotland that give free, independent, impartial and confidential money advice: