If you are a Scottish resident having trouble meeting the demands of your creditors, you may qualify for a Trust Deed, a popular way to write off your debts based on what you can afford to pay on a monthly basis.
The Debt Arrangement Scheme (DAS) is a scheme set up by the Scottish Government to help people pay back their debts in a manageable way without the threat of court action from creditors.
Check if you qualify to write off unaffordable debt with a trust deed.