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    Owe £6,000 or more?

    Write off all debt you cannot afford after only four years

    What is a Trust Deed?

    PTD

    If you are a Scottish resident and find yourself struggling with debt then a Scottish Trust Deed could be a solution to help you gain financial control and have a clear path of when you will be debt-free again.

    After the last few years, things have been difficult for everyone financially in one way or another due to many situations where unexpected financial losses or expenses have risen.

    If you find yourself owing £6,000 or more in unsecured debt then you may be eligible to benefit from a Scottish Trust Deed which would normally get you debt-free in just four years only paying what you can afford to repay and any debt you cannot afford to repay is written off.

    Like any debt solution it is always best to seek professional advice prior to choosing a solution as there are always downsides but as a Protected Trust Deed in Scotland is the most commonly chosen legally binding debt solution then don't struggle alone and find out if you can lift debt stress and our friendly non-judgmental team are on hand to check you qualify and answer any questions or concerns.

    Why Choose a Protected Trust Deed?

    The most effective debt solution in Scotland, helping you regain control and peace of mind

    Legal Protection

    Immediate protection from creditor action, bailiffs, and court proceedings

    Affordable Payments

    One manageable monthly payment based on what you can actually afford

    Fixed Timeline

    Debt-free in 4 years maximum, regardless of the original amount owed

    Debt Write-off

    Any remaining debt is legally written off after your 4-year payment period

    Stop Harassment

    No more stressful calls, letters, or visits from debt collectors

    Family Protection

    Your family home and essential possessions are typically protected

    Could You Qualify for Debt Relief?

    If you owe £6,000 or more and live in Scotland, you could be debt-free in just 4 years

    £6,000+
    Minimum debt level
    4 Years
    Maximum duration
    100%
    Remaining debt written off

    How a Protected Trust Deed Works

    A simple, legal process that can write off unaffordable debt in just 4 years

    1

    Free Consultation

    Speak with our qualified debt advisors about your situation. No obligation, completely confidential.

    15 minutes
    2

    Assessment & Proposal

    We'll assess your finances and create a proposal that works for your budget and circumstances.

    24-48 hours
    3

    Creditor Approval

    We present your proposal to creditors. Once approved, you're legally protected from further action.

    4-6 weeks
    4

    Protected Payments

    Make one affordable monthly payment. After 4 years, any remaining debt is legally written off.

    4 years max

    Protected by Scottish Law

    A Protected Trust Deed is a formal debt solution available only in Scotland, regulated by the Accountant in Bankruptcy and protected by law.

    Calculate Your Potential Monthly Payment

    See how much you could pay each month with a Protected Trust Deed

    Get started

    A Protected Trust Deed may not be suitable in all circumstances. Fees may apply. Entering into a Protected Trust Deed will affect your credit rating. The debt write-off amount for each customer differs depending on their circumstances and is subject to approval by their creditors. This amount is also subject to creditors' approval before a Trust Deed can be protected.

    Real Stories from Real People

    See how Protected Trust Deeds have helped thousands of Scots regain control of their finances

    Sarah M. testimonial
    "The Protected Trust Deed gave me back control of my finances. I can finally see a future without debt."
    Sarah M.
    £23,000 debt reduced to £8,000
    James T. testimonial
    "Professional, understanding service. They made the whole process simple and stress-free."
    James T.
    £31,000 debt cleared in 4 years
    Michael R. testimonial
    "I wish I'd contacted them sooner. The monthly payments are manageable and I can sleep at night again."
    Michael R.
    £45,000 debt significantly reduced

    What is a Scottish Trust Deed?

    A Protected Trust Deed (PTD) is a formal, legally binding agreement available to residents of Scotland to manage unsecured debts you cannot afford to repay.

    It provides legal protection from your creditors and allows you to write off unaffordable debt after making affordable monthly payments for typically 4 years.

    Unlike bankruptcy, a Trust Deed allows you to keep your home and car (subject to equity limits) while getting a fresh financial start.

    Key Benefits

    • Write off unaffordable debt after 4 years
    • Stop creditor contact and legal action
    • Keep your home and car (subject to equity)
    • Freeze interest and charges
    • One affordable monthly payment

    Who Qualifies for a Trust Deed?

    Check if you meet the criteria for a Scottish Protected Trust Deed

    You May Qualify If:

    • You owe £6,000 or more in unsecured debt
    • You are a resident of Scotland
    • You have a regular income
    • You cannot afford to repay your debts in full
    • You have more debt than assets

    Debts Usually Not Included:

    • Student loans (in most cases)
    • Secured debts like mortgages
    • Child maintenance payments
    • Court fines
    • Benefit overpayments (in some cases)

    Not sure if you qualify? Our advisors can assess your situation for free.

    Check If You Qualify

    What Debts Can Be Included?

    Most unsecured debts can be included in your Trust Deed

    Personal Loans

    Bank loans, finance company loans, and personal credit

    Overdrafts

    Bank and credit union overdrafts

    Credit Cards

    All major credit card debts

    Store Cards

    Retail store credit cards and finance

    Council Tax Arrears

    Outstanding council tax payments

    Energy Debts

    Gas and electricity bill arrears

    Car Finance Shortfalls

    Outstanding amounts after vehicle repossession

    Payday Loans

    High-cost short-term credit

    Have questions about whether your debts qualify? We can help you find out.

    Apply for Help

    Frequently Asked Questions

    Get answers to the most common questions about Scottish Trust Deeds

    Have more questions? Our advisors are here to help.

    Apply for Help
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    Expert guidance for Scottish Trust Deeds and debt solutions. We help individuals across Scotland find the right path to financial freedom through professional, confidential advice.

    0141 673 6611
    hello@scottishtrustdeed.help
    Serving all of Scotland

    © 2025 Scottish Trust Deed. All rights reserved.

    We are not connected or associated in anyway with the Scottish Government.

    *Debt examples are subject to creditor acceptance, payments are subject to individual circumstances, credit may be affected. Fees may apply.

    A formal debt solution may not be suitable in all circumstances. Fees apply. Your credit rating may be affected.

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