£5,000 or More in Debt? A Trust Deed Can Help.

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If you are a Scottish resident & struggling with debt a Trust Deed may be the key to your debt-free future. You could write-off up to 85%* of debts.

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Just Some Of The Creditors A TRUST DEED Could Help You Write Off Debts From:

A Scottish Trust Deed is a voluntary agreement between you and your creditors that is designed to help manage your debts.

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A Scottish Trust Deed is a voluntary and legally binding agreement between you and your creditors that is designed to help you manage your debts.

A licensed Insolvency Practitioner (Trustee) will negotiate with your creditors & agree what you can realistically afford to repay. You then pay one lower monthly fee and at the end of your Trust Deed period your remaining unsecured debt will be written off.

The benefits of a Trust Deed are:

  • One affordable repayment based on your individual circumstances
  • Creditor contact will stop
  • Legally protects you from sheriff action
  • Regain control of your finances
  • Stops attachment to earnings
  • Write off remaining debts & get debt free
  • All costs are included within your affordable monthly payments

Remember: A Trust Deed Could Write Off 85% of Debts!

Trust Deed Example 1 - Reduced Monthly Repayment:

Let's imagine you currently have unsecured debt of £12,000 (from credit cards, loans etc.) with monthly repayments of £500 that you are struggling to repay. A Trust Deed could help you reduce your repayments significantly- in our example we have reduced the monthly repayment by 70% to just £150 - a much more manageable repayment.

Current Total Debt Level:
Current Monthly Repayment:
Reduced To:
Repayment Reduced By:

Trust Deed Example 2 - Debt Amount Written Off:

Suppose you have a higher debt level of £35,000 (again made up from credit cards, loans etc) with current monthly repayments of £600 that you are struggling to repay. In a Trust Deed you are expected to pay the maximum you can comfortably afford - e.g. £200 - a much more manageable repayment. Over the duration of the Trust Deed this would mean you only pay back £9,600 of the £35,000 debt and the remaining £25,400 is written off. This reduces your debt by over 72%.

Current Total Debt Level:
Current Monthly Repayment:
Reduced To:
Debt Repaid:
Debt Written Off:

The Trust Deed Process

The Trust Deed Process is simple and straight forward.

About Scottish Debt Help

Scottish-Debt-Help.co.uk has helped thousands of people just like you to get out of debt. We offer a range of debt solutions tailored to your individual circumstances. Our friendly advisors are specially trained to look at your debt in a non-judgemental way and come up with a solution to help you become debt-free.

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1. Contact us for an assessment

Use our application form or call the helpline on 0141 471 9806 and trained advisors will examine your debt and run through all available options with you.

2. Send Your Documents

Given that an Trust Deed is the best solution for you the advisor will go through what documentation you need to complete & send to support your case.

3. Start Your Trust Deed

Once we have received the documentation back we will instruct the Insolvency Practitioner to start the Trust Deed Process and negotiate with your creditors.

4. Finish the Trust Deed

Once your Trust Deed has been completed all of your unsecured debt you have not managed to pay is legally written off and you can look forward to a debt-free future!

Frequently Asked Trust Deed Questions

What is a Trust Deed?

A Trust Deed is a formal agreement between you and your creditors that is designed to help you manage your debts and work towards a debt free future.

How long does a Trust Deed last?

A Trust Deed will typically last 4 years. During this period your Insolvency Practitioner (Trustee) will review your finances each year and send an annual report to both you and your creditors.

How Is a Trust Deed Payment Calculated?

Your Trust Deed payment will be calculated by analysing your income and expenses (not including any debt repayments). We then work out how much money you have left over each month using guidelines that are commonly accepted by creditors. This left over amount is your potential Trust Deed payment.

How does a Trust Deed work?

A licenced Insolvency Practitioner (IP) will assess what you can realistically afford to pay and present a proposal to your creditors. If your creditors accept the proposal it becomes a legally binding agreement.

What debts can be included?

You must include all unsecured debts. These might be credit cards, overdrafts, bank loans, payday loans, catalogue debts, and so on. Trust Deeds will not usually include secured debts, such as mortgages, secured home loans or hire purchase agreements.

Is a Trust Deed right for me?

Entering into a Trust Deed is not a decision to be taken lightly. You need to get expert help & advice before you decide. scottish-debt-help.co.uk can help you decide if a Trust Deed is the best debt solution to suit your individual circumstances.

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Other Debt Solutions

Based on your individual circumstances we can help with a range of Debt Solutions that best suit your needs.

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Sequestration - Scottish Bankruptcy

Sequestration is a legal declaration that confirms you are unable to repay your unsecured debts and any assets you have will be used to pay off your creditors. Whilst it is a possible solution to a debt problem there are other debt solutions that may suit your circumstances better. Talk to us today on 0141 471 9806.

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Debt Arrangement Scheme (DAS)

Debt arrangement schemes are endorsed by the Scottish government and are designed to help you pay back your debt at regular, manageable intervals - without the threat of legal action hanging over you. Unlike Trust Deeds or Sequestration a DAS scheme lasts until the debt is cleared so is likely to be a longer period of repayments.

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Debt Consolidation

Debt Consolidation is specifically designed to help you consolidate your debts to make them much more affordable. Debt repayments can be spread out over a longer period to help you manage. Tell us your circumstances and we will assess whether debt consolidation is your best option. Talk to us today on 0141 471 9806.