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  • Help with Debt

      Debt Solutions

      • Debt Management Plan
      • Individual Voluntary Arrangement (IVA)
      • Debt Relief Order
      • Bankruptcy
      • Protected Trust Deed
      • Debt Arrangement Scheme
      • Sequestration
      • Minimal Asset Process

      Debt Advice

      • Help and Advice
      • Debt and Benifits
      • Debt Collectors
      • Joint Debt
      • Debt and Your Home
      • Bailiffs and Enforcement
      • Breathing Space Scheme
      • CCJs and Court Enforcement
      • Understanding Your Credit Score

      Types of Debt

      • Council Tax Arrears
      • Credit Card Debt
      • Payday Loans
      • Catalogue and Store Card Debt
      • Overdraft debt
      • HMRC & tax debt
      • Student loan debt
      • Utility bills
      • Business debt

      Resources

      Can I Keep My Car in a Trust Deed? (A Scotland Guide for 2026)

      Argos Card Debt: What Happens If You Can’t Pay. 

      Order For Sale: Can A Creditor Force You To Sell Your Home? 

      Can Council Tax Debt Be Written Off? What the Law Actually Says 

      Can a Debt Collector Take Money From Your Bank Account? Detailed Explanation

      • All article
  • Debt Solutions
  • About Us
  • Contact
  • Get Debt Help
  • Help with Debt

      Debt Solutions

      • Debt Management Plan
      • Individual Voluntary Arrangement (IVA)
      • Debt Relief Order
      • Bankruptcy
      • Protected Trust Deed
      • Debt Arrangement Scheme
      • Sequestration
      • Minimal Asset Process

      Debt Advice

      • Help and Advice
      • Debt and Benifits
      • Debt Collectors
      • Joint Debt
      • Debt and Your Home
      • Bailiffs and Enforcement
      • Breathing Space Scheme
      • CCJs and Court Enforcement
      • Understanding Your Credit Score

      Types of Debt

      • Council Tax Arrears
      • Credit Card Debt
      • Payday Loans
      • Catalogue and Store Card Debt
      • Overdraft debt
      • HMRC & tax debt
      • Student loan debt
      • Utility bills
      • Business debt

      Resources

      Can I Keep My Car in a Trust Deed? (A Scotland Guide for 2026)

      Argos Card Debt: What Happens If You Can’t Pay. 

      Order For Sale: Can A Creditor Force You To Sell Your Home? 

      Can Council Tax Debt Be Written Off? What the Law Actually Says 

      Can a Debt Collector Take Money From Your Bank Account? Detailed Explanation

      • All article
  • Debt Solutions
  • About Us
  • Contact
  • Get Debt Help
01204 890 760
How Does Debt Affect Your Home? (What UK Households Need to Know in 2026)  by Yasas
Joint Debt in the UK: Who Is Responsible for Paying? by Yasas
Breathing Space: What It Is and How It Can Help With Debt Within the UK   by Yasas
Can Bailiffs Come for Unpaid Debts in the UK: A Guide for 2026 by Yasas
What Are My Debt Help Options if I Can’t Pay My Debts in the UK? by Yasas
Credit Score UK: How It Works and Why It Matters by Yasas
What Happens If a CCJ Is Enforced Against You in The UK? by Yasas
Debt Collectors and Bailiffs UK: What You Need To Know in 2026  by Yasas

Important information

As part of our service, we’ll assess your financial status, go over your options, and then suggest a debt solution that may be suitable for you. Individual Voluntary Arrangement, Debt Management Plan, Bankruptcy, Protect Trust Deed, Debt Arrangement Scheme, Sequestration and Minimal Asset Process are debt solutions which will negatively impact your credit score.

Depending on the solution chosen, there may be fees involved for referral and preparatory work. These will be explained and written information will be provided so you can make an informed decision.

Payments into a debt management plan are protected by the FSCS so, if the company fails, you may be entitled to compensation.

In the last 12 months our IVA partner The Insolvency Group achieved a write off of 78% or more of debts on over 50% of its cases. Dated 28/07/2026

Advice providers

Should we determine a Debt Management Plan is the most appropriate solution for you, we will process your case here at Debt Advisory Services. 

Should we determine a Individual Voluntary Arrangement or Protect Trust Deed is the most appropriate solution for you, we will pass your case to our sister company The Insolvency Group Ltd. Tracey Howarth (IP No: 16410), Mike Reeves (IP No: 7882), Donald Harper (IP No: 9296) and Andrew Maak (IP No: 27452) are licensed  Insolvency Practitioners in the UK, regulated by the Insolvency Practitioners Association.

About Us

www.debt-advisory-services.co.uk is a trading style of: Debt Advisory Services (Scotland) Limited

Debt Advisory Services (Scotland) Limited is authorised and regulated by the Financial Conduct Authority (FCA)

FCA firm reference number: 671573 

Check on the FCA register.

Company details

Debt Advisory Services (Scotland) Limited

Company number: SC296502

Registered in Scotland

Registered address: International House, 38 Thistle Street, Edinburgh, EH2 1EN

Trading address: Crescent House, Lever Street, Bolton, BL3 6NN

ICO number: Z9406864

Duty Policy and Client Charter

(PDF, 132kb)

Initial Disclose Document

(PDF, 221kb)

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