Use your numbers, to understand your options

Free, impartial information on debt routes in Scotland

Your household

Number in household (including you)

Dependent children under 14

Dependent children aged 14+

Vehicles in household

What you owe

Add each debt. Rough figures are fine to start. Priority debts (the ones with the most serious consequences if unpaid) are marked.

Money coming in

Every type of income is listed. Open a heading to enter amounts. Choose weekly, monthly, quarterly or annual for each.

Monthly total income£0

Your home and other assets

Your home, savings, vehicles and other assets.

Total assets and equity£0

Money going out

Enter what you really spend, line by line, as on the statement. Do not include payments on the other debts above. Payments on car finance, fines, maintenance and mortgage arrears come in from your debts list.

Monthly total expenditure£0

Anything else we should know

I have debts from a business I run or ran, or I guaranteed someone else's debt A creditor has started, or told me they will start, court action or take money from my wages or bank I'm finding this hard to cope with right now

Optional. You do not need to tick this to see your options. It is only shared if you choose to send your summary to an adviser, and is used to decide how quickly to call you.

My job or profession has rules about bankruptcy (some careers restrict or bar people who are bankrupt)

Could someone else, such as a family member, put money towards this? Total they could put in

Your options, live

Illustrative only. Routes, thresholds and wording are drafts for an adviser to confirm before anything reaches a client. The income, asset and spending lines reflect current guidance on eligible expenditure. Fee lines are indicative; an adviser sets out the exact fees and costs before you commit to anything.