A Trust Deed is only available to residents of Scotland to help individuals who can no longer keep up with their lender commitments.
A Trust Deed will allow you to effectively take time out from making payments that you cannot afford by consolidating all of your debts into an affordable monthly repayment. A Trust Deed advisor or insolvency practitioner will work on your behalf to negotiate with your lenders.
A Trust Deed is normally a four-year plan. This means at the end of the period your lenders will write off any remaining debt.
Another option that is available to Scottish residents is a Debt Arrangement Scheme or Debt Management Plan.
To ensure what you qualify for, please fill in the form above.
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Here is an example of how we could make your debts more affordable
Let’s say you owe:
Bank Loan £6000
Payday Loan £3000
Credit card £2000
Store Card £500
Total Owed: £13,000
Approx Current Monthly Payments: £475
NEW MONTHLY PAYMENTS: £150
We’ve helped thousands of people take control of their finances
"I would like to thank Changing Steps for everything. I am now able to continue with my life without the worry and fear that I had everyday in the back of my head! I am so pleased that I came across this website and I would personally like to thank Helen who helped me manage this when I thought there was no where to turn!"
Mr Peters on Oct 2019.
"I was struggling so much to keep up with my repayments! Everything was getting on top of me and it was even putting a huge strain on my relationship! I am now in total control thanks to you guys. My husband and I are so much happier now in our relationship too! Thank you from the bottom of my heart!"
Miss Field on Nov 2019.