Frequently Asked Questions
What exactly does Debt Support Scotland (DSS) do?Debt Support Scotland is a free debt advice company who are here to support people who are in financial difficulty. DSS will carry out a questionnaire to help us understand the full extent of your situation. After reviewing the details we will give you the best advice to suit your circumstances. Our goal is to help you resolve your financial position and get you debt free as soon as possible. Debt Support Scotland offers a wide range of debt solutions ranging from general budget advice to Bankruptcy and other informal / formal solutions. Debt Support Scotland will also carry out a full benefit check to ensure that your income is completely maximised and you are not missing anything you are due.
What makes DSS different from other companies?
All advisors that work for Debt Support Scotland are trained to a high standard, including being Debt Resolution Forum (DRF) qualified. As all advisors are qualified, you can feel at ease knowing that debt experts are handling your case and can be assured that you will be receiving extensive and accurate advice. We can help you become debt free. Debt Support Scotland have been established to help support people in debt and get them through their financial situation with some help and encouragement. Debt Support Scotlandis here for you every step of the journey to becoming debt free, so you can feel that you're not facing this alone, but have someone you can trust by your side. Debt Support Scotland do not charge any fees for the advice we provide, unlike some other advice companies.
If I contact DSS will my details be kept confidential?
Debt Support Scotland takes confidentiality very seriously and all details given to DSS will be recorded securely. All information given to Debt Support Scotland will be kept very secure and will not be given to any other company unless instructed to do so. Debt Support Scotland complies with the Data Protection Act.
Does DSS charge a fee their debt advice?
All advice given by Debt Support Scotland is completely tailor made and no fee is charged for providing any client debt advice. Some of the solutions to debt have fee's attached, however you may not have to make these directly. All options will be advised in detail and all fees, if applicable, will be explained so you can make an informed decision. You are under no obligation to take our free advice.
Will my credit rating be affected?
Debt Support Scotland will not contact any credit reference agency and when you call us all information given is completely confidential. Speaking to us will have no impact on your credit file. If you decide to enter into a debt solution this may be registered with a credit reference agency and may impact on your ablity to obtain credit in the future.
Does DSS deal with debt solutions in-house?
Debt Support Scotland supports clients with their financial situation and offer them the best debt advice in order to help you become debt free, as quickly as possible. Debt Support Scotland do not deal with solutions in house as we are a free debt advice centre, ensuring we give you the correct advice and point you in the correct direction. DSS works alongside many other organisations which deal with a wide range of debt solutions and can refer you to them if it's the right solution, and you wish to proceed with the recommended solution.
Does DSS carry out face to face appointments?
Debt Support Scotland operates through telephone communication however, if a client requires a house visit then this can also be carried out by one of our team.
Are all of my debts taken into account?
DSS will advise on all of your debts however, most secure debts must continue to be paid as failure to do this could result in the lose of your home, car etc. All unsecured debts can be included and mostly all of them can be taken into account. Our qualified team will be able to advise you fully.