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Stepchange Scotland Office address & Contact Number

Stepchange Scotland Office address

Do you have high unsecured debts over your head or Are you not sure about how to start paying off these debts effectively? We will assist and help you with debt management throughout debt repayment by providing you with reasonable debt solutions at our Stepchange Scotland Office address

At StepChange Scotland, we offer free, impartial, and confidential debt advice plus essential debt help to individuals having problem debts and wanting to get rid of them. Our expert and professional advisors and counselors will listen to your debt situation, assess them, and suggest the best possible debt solution for your existing financial and personal circumstances. You can quickly get in touch with our debt advisors by calling the StepChange Scotland number. 

If you choose to work with us, we will help you pay off most of your unsecured debts by drafting an affordable debt repayment plan. We will deal with your creditors as your representative so that you can focus on arranging funds to cover the debts. Besides offering multiple debt measures to our clients, we also provide related services like money advice, re-establishment services, budgeting control, credit score improvement guide, mortgage advice, etc. These services are effective in that you can gain maintain financial balance after clearing your debts with us. 

About StepChange Scotland

StepChange started as a foundation for credit counseling, registered as a limited company in England and Wales, and is identified as StepChange Debt Charity. As the name suggests, StepChange Scotland is a debt charity and hence, does not charge any additional fees from our clients. As a result, we offer UK citizens no-cost debt advice and debt help. We are also licensed and regulated by the FCA UK.

At this point, StepChange Debt Charity has over 25 years of working experience in offering free and impartial debt services. You can worry-free bring your debt concerns to us by visiting the Stepchange Scotland Office address or calling the StepChange Scotland number

Stepchange Debt help and Debt solution Scotland

Getting a suitable debt help from us is very simple. You let us know about your crisis (debt, income, and expenses). We will ascertain your situation and draft a realistic budget for you to follow. We will then decide on a debt repayment plan and explore the various debt options fitting your debt case. As you decide on the particular debt solution, we will set up a personalized debt payment plan for you to effectively pay off your debts as soon as possible. 

Applying for a debt management plan with us need a trustee or an insolvency practitioner. Our insolvency practitioners are certified and are regulated by the independent professional body, the Insolvency Practitioners Association (IPA) in the UK. So, rest assured that you will receive efficient guidance and debt management while successfully fulfilling your debt payment process within a stipulated timeframe. 

StepChange Scotland debt solutions

As licensed and regulated by the Financial Conduct Authority in the UK, StepChange Scotland is authorized to offer various debt solutions approved by the UK government to provide the UK citizens with Government debt help schemes. The UK government introduces these insolvency measures to help the individuals in need of practical debt help. 

StepChange Scotland offers its clients this wide range of debt measures without charging any upfront fees for acquiring our debt services. Different debt solutions that you can go for at the Stepchange Scotland Office address include the following:

  • Debt Management Plan (DMP)

One of the most sought-after debt solutions at StepChange Scotland is the Debt Management Plan (DMP). You can avail a free DMP service from us. DMP are a debt solution that allows for you to repay your unsecured debts in affordable monthly payments.

  • Individual Voluntary Arrangement (IVA)

An Individual Voluntary Arrangement (IVA) is another popular debt solution offered at StepChange Scotland. The IVA lasts approximately 4 to 6 years, depending on changes in influencing factors. If you pay lower monthly IVA contributions, the Insolvency Practitioner will transfer the funds to creditors. The IP will declare any unpaid debts as per the IVA proposal.

  • Debt Relief Order (DRO)

You are eligible for a Debt Relief Order if you have some qualifying debts that you want to clear off but have few assets under your name. A DRO term is of 12 months where you are not obliged to make any debt repayments.

  • Equity Release

As a debt solution, Equity Release is available for elderly clients more than 55 years of age. We help these people access the money or equity tied to their homes.  

  • Protected Trust Deed

A Trust Deed is similar to an IVA and can only be availed by individuals living in Scotland. A protected trust deed gives you relief from the creditors’ approach. You can make arrangements to make regular payments for a fixed term to cover the debts. 

  • Bankruptcy and Scottish Bankruptcy (Sequestration)

Bankruptcy, in general, helps clear off unmanageable debts that you cannot cover even with all of your assets and property. If you cannot pay off these debts within a specific time, the court will waive off those qualifying debts. 

  • Debt Arrangement Scheme (DAS)

We only offer a Debt Arrangement Scheme (DAS) at StepChange Scotland. If you choose this debt solution, our experts will prepare a suitable Debt Payment Programme (DPP) for you to make realistic debt payments. 

We suggest these debt solutions if the debt advisors feel that your circumstances demand these solutions to get rid of the debts. You can apply for the proposed debt measures if you think it is the right option for you and your debt scenario. Our professional debt advisors will provide all necessary information to you about your particular debt, including its pros and cons. They will also explain how the debt repayment plan works, how it will affect you, and how it will impact other aspects of your life.

We ensure that you do not make the wrong choice when dealing with sensitive cases like paying off your debts. Besides these debt solutions, we have many other services and tools to help you. 

Various debt-related tools that you can take advantage of while working with StepChange are:

  • Equity release calculator
  • Debt consolidation calculator
  • Credit card repayment checker
  • 60-second debt test
  • 7-day program to help you achieve better financial control
  • Online benefits calculator

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If you need any debt or finance-related help, feel free to access our free services at the StepChange Scotland address. You can also call the StepChange Scotland number here: 0800 138 1111

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