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Through these difficult times people can get into debt from personal or secured loans, car financing or mortgages. Many people have mail order debt or are unable to keep up monthly payments on credit cards and loans and are being chased for late payments as a result.

If this is the situation, NDC can help provide accurate information on the debt options available.

Select one of the financial solutions to find out more, or call us to speak to an expert debt consultant.

Debt Management

DMP is an informal arrangement between you and your creditors, where you make an affordable monthly payment

Debt Consolidation

A debt consolidation loan is simply a loan that you take out to pay off other debts.


Bankruptcy is a legal declaration for people who cannot afford to pay their creditors

Individual Voluntary Arrangement

You can expect to write off up to 85% of your unsecured personal debts with an IVA

Trust Deed

A PTD lets you make reduced payments over a fixed time, after which the remaining debt is written off

Debt Arrangement Scheme

A DAS is a Scottish Government-backed debt management scheme

Debt Relief Order

A DRO can write off debts if you have few assets and a low income.

Minimal Asset Process

MAP is a version of bankruptcy in Scotland aimed at people with low income and not many assets


The equivalent to bankruptcy in Scotland, usually seen as a last resort for dealing with debt problems

Start planning a future free of unsecured debt


We will speak to you to get an understanding of your situation


We will provide you with information on a range of debt solutions

Your choice

You decide which solution is right for you.

Typical IVA Example

The customer has a total debt of £25,891. The customer can afford to pay £108 a month after their household expenses.

IVA Example

IVA Repayment Example

If you are struggling to keep up with credit card, loan or overdraft repayments, have arrears or are facing legal action from lenders as a result of being unable to repay your debts, take the first step towards clearing your debt today.
NDC can help you understand which options are available to you.

Our aim is to help you regain control of your finances by:

  • Reducing monthly payment
  • Stopping creditor action
  • Freezing interest and charges
  • Writing off unaffordable debts

We can help you with a variety of debt

Contact us

To find out more about managing your money and getting free advice, visit Money Helper, or you can get guidance on dealing with your debts from The Insolvency Service