Trust Deed

A trust deed is a legally binding financial agreement between a person and their creditors. Similar in scope and terms to IVAs in England, Wales and Northern Ireland, trust deeds are only available to people living in Scotland.

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Trust Deed

A Scottish trust deed involves your financial situation being assessed by a debt advisor or a licensed Insolvency Practitioner who serves as a Trustee of your debt and whom will act as an intermediate between you and your creditors. In general, a trust deed is available to anyone who is currently living in Scotland or who has lived there in the previous 12 months running up to the time an application is made.

You must:

  • Live in Scotland, either now, or in the last 12 months. You could also have a place of business in Scotland
  • Have unsecured debts more than £5,000 in total
  • Be able to pay a monthly contribution due to having a sufficient expendable income. A general rule for this is that your Trust Deed will allow for at least 10% of your debt to be repaid. However, this does not guarantee that your Trust Deed will be accepted and become ‘protected’
  • Be insolvent. In other words, is unable to pay back their debts as your liabilities are greater than your assets

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Check if you qualify

Simply complete the form to see if you qualify for any of the available debt solutions.



A friendly & experienced advisor from DSD will contact you to discuss yourc ircumstances.


You decide

They will explain all your options, so that you can decide which solution works best for you!

Types Of Debts We Help With


Store Cards

Payday Loans

Credit Cards


Council Tax


Utility Bills

Frequently Asked Questions:

An advisor will talk through options and help you make the decision.

Free and impartial money advice is available from the Money Helper, an organisation set up by the Goverment for people in debt.