YOu must have been resident in Scotland for at least 2 months
You must have min of 2 debts (this can be 2 years Council Tax Debts as they count as separate)
You must have an excess Income
You must be able to pay your debts of in a reasonable period of time.
It is NOT CCCS or Payplan and it is not a company.Its is now Scottish Law which helps people repay their debt without being worried that halfway along the line a creditor is going to decide to take you to court and get more money from you.
You must consult a FREE money advisor,free advisors are listed on the website.These Money Advisors are all working to Standards laid down by Money Advice Scotland so you will get quality advice.They have been vetted and their work and advice is subject to scrutiny every 6 months.
For more info-have a look at this site
http://www.moneyscotland.co.uk/das/das_ ... tent.show&