Nobody likes talking about money. But if you find things slipping out of control – maybe you’re struggling to manage your bills each month or need help with budgeting – speaking to someone who understands and can advise you how to get back on a secure footing can lift a huge weight from your shoulders.


Here, you can find the way to respected and impartial sources of financial help and information in your local area, as well as to trusted support organisations you can speak to in confidence who can give you up-to-date, accurate and comprehensive advice tailored to you.


Find out what help is available in your area here by using our interactive map or the following organisations will provide a first step in obtaining the advice you need.


They are an independent charity dedicated to overcoming problem debt, and provide free and impartial help to people all over Scotland.

Last year they helped over 13,000 Scots choose the best debt solution for their individual debt problem.

The StepChange Debt Charity Helpline is 0800 138 1111.  It’s free, and open from 8am to 8pm Monday to Friday, and 8am to 4pm on Saturday.

Free and anonymous advice is also available online, with StepChange Debt Remedy, and takes just 20 minutes.

Citizens Advice Scotland

Citizens Advice Scotland has 61 bureaux countrywide and together with their consumer helpline forms Scotland’s largest independent advice network. Citizen advice bureaux help hundreds of thousands of people deal with a range of issues, including money, benefits, housing, and legal. They provide free, confidential and impartial advice to everybody regardless of age, disability, gender, race, religion and belief and sexual orientation. Citizens advice bureaux offer a comprehensive range of options for dealing with money problems and holistic advice on any other issues that a person might be facing.

CAP (Christians Against Poverty)

Christians Against Poverty (CAP) has 20 Debt Centres set up in local communities all across Scotland.  They also run free money management courses that teach basic budgeting skills and how to prevent debt.

Throughout the UK, CAP have been recognised for helping over 27,500 people a year to find a way out of debt through their renown services.  Over 10,000 people a year also benefited from attending a free CAP Money Course.

However bad your debts are, there is hope.  CAP's professional and friendly approach means they can visit you in your own home and give you a solution that will see you out of debt.  They will negotiate with your creditors, set up a budget and then support you to either repay your debt through a debt management plan or help you apply for DAS, Sequestration or Trust Deed.

For help with your debts, or to attend a free money management course, just enter your postcode on their website to see what CAP services are available in your area.