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Get free debt advice

Last updated
31 Aug 2023

The Scottish Government helps to fund organisations to give free debt advice.

You can get advice by phone, online or face to face. 

Phone and online debt advice

Advice Direct Scotland

Phone: 0808 196 2316

Advice Direct online chat

Monday to Friday 9am to 5pm.

More debt help from Advice Direct Scotland website

Christians Against Poverty 

Phone: 01274 760720

Monday to Thursday 9.30am to 5pm. Friday 9.30am to 3.30pm.

More debt help from Christians Against Poverty website

Money Talk Team - Citizens Advice Scotland (CAS)

Phone: 0800 028 1456

Check opening times with your local office. 

More debt help from the Money Talk Team website

National Debtline

Phone: 0808 808 4000

National Debtline online chat

Monday to Friday 9am to 8pm. Saturday 9.30am to 1pm. 

More debt help from National Debtline website

StepChange debt charity

Phone: 0800 138 1111

Monday to Friday 8am to 8pm. Saturday 9am to 2pm.

Get online debt advice from StepChange

24 hours a day, 7 days a week.

More debt help from StepChange website

Face to face debt advice

Christians Against Poverty (CAP)

Phone: 0800 328 0006

Monday to Thursday 9.30am to 5pm. Friday 9.30am to 3.30pm.

Citizens Advice Scotland

Find your local citizen advice bureau

Other ways to get free debt advice

Local councils

Some local councils offer free debt advice and help. 

Aberdeen City Council Aberdeenshire Council Angus Council Argyll and Bute Council Clackmannanshire Council Comhairle nan Eilean Siar (Western Isles Council) Dumfries & Galloway Council Dundee City Council East Ayrshire Council East Dunbartonshire Council East Lothian Council East Renfrewshire Council Edinburgh Council Falkirk Council Fife Council Glasgow City Council Highland Council Inverclyde Council Midlothian Council Moray Council North Ayrshire Council North Lanarkshire Council Orkney Islands Council Perth & Kinross Council Renfrewshire Council Scottish Borders Council Shetland Islands Council South Ayrshire Council South Lanarkshire Council Stirling Council West Dunbartonshire Council West Lothian Council

Moneyhelper website (Money and Pensions Service)

Some charities and local community services offer free debt help.

You may find other local services like this on the Moneyhelper website.

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