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Protected Trust Deeds (PTD), a debt remedy adopted by a large number of Scottish people each year, can be a impressive way of writing off debt and regaining management of your individual finances.

For every single thousand those who do apply annually, many more thousands continue to struggle with their debts, either unacquainted with Scottish Trust Deeds as being a means to fix debt, or perhaps because there is a psychological factor that puts people off exploring ‘personal insolvency’ options.

One of these is the nonsensical a feeling of failure or embarrassment. Another reason why folks don’t pursue Trust Deeds could be the fear that their credit score will be permanently ruined.