The Scottish Government introduced the Bankruptcy and Debt Advice (Scotland) Bill in June 2013.  The Bill was passed by the Parliament on 20th March 2014 and received Royal Assent on 29th April 2014. 

The Act introduces measures to help those people in Scotland who are struggling under the burden of debt.  Debt management and debt relief in Scotland is being modernised to take in to account the recession, the credit crunch and the increase in the public use of high interest borrowing products such as payday loans.  The Act also makes provisions for a ‘Financial Health Service’ for Scotland, a concept which includes rehabilitation for individuals and organisations in relation to their financial pressures.

Working together with various stakeholders from the financial advice and support sector, the Scottish Government has developed this website to provide a one stop shop for those who have money problems or are seeking general help with their financial worries.  We are an impartial website and do not provide advice directly but our aim is to signpost those in need to the most appropriate area of support, ranging from debt solutions, borrowing, managing your money or general welfare concerns.