Why Choose Us

The extensive experience our company has had in dealing with the financial trouble of others has led us to adopt a very specific attitude towards business. We believe that a service which strikes a balance between efficiency and compassion is the only ethical way of doing business in this industry.

We understand that we need to be efficient so that we can have you on the road to your debt free life as soon as possible, yet from experience know that having some compassion is the only responsible way to do it.

Why choose debt free life


“The best time to plant a tree was 20 years ago. The second-best time is now.”

This old Chinese proverb is incredibly relevant when it comes to tackling your debt. It is important you call us as soon as possible, so we can find a solution and put it in place as soon as possible.
Once you have got in contact and had a chat with one of our helpful advisers we can start coming up with a plan straight away. In many cases, provided we have your approval, we can put everything in motion (whether it be a Trust Deed, Debt Arrangement Scheme or any other process that is available to us) on the very same day.

We understand that every situation is different, and while we can be quick in coming up with a plan of action, that doesn’t mean we are complacent. We do not believe in a one-fits-all policy in regards to debt management – especially when people have given us their trust in making the often-difficult decision to reach out for help.

Any solution that we offer you will be designed specifically with you in mind. What works for someone else might work for you, but not at the same level a plan built with you in mind will.
From here, it is down to the relevant creditors and authorities to get whatever plan we choose in place. At this stage, you are well on your way to grabbing control of your finances back from creditors, and ending their harassment.


Unmanageable debt can affect anyone, for any number of reasons, and it is simply ignorant to assume that it is always someone’s own fault when they start to struggle with money. Our team is completely non-judgemental, understanding, and trust us – we’ve seen it all before!

Even our owner has had his own experience with financial trouble, which has only fuelled his commitment to helping others.

Our vast experience in dealing with people who have fallen victim to money trouble has led us to form a strong relationship with SAMH, Scotland’s biggest and most pioneering mental health charity. The link between debt and mental health is very real and should be of no surprise to anyone suffering from unmanageable debt.

Not only do we provide SAMH with information on our experience dealing with indebted people on a daily basis, but are lucky enough to have had guidance from their knowledgeable staff on dealing with people potentially suffering from high levels of stress and anxiety.

If you choose to let us help you get back on top of your finances, you can be sure we are doing it with you in mind.