This is my personal opinion and others may differ but in Scotland, I prefer to recommend that people see a face to face Money Advisor.People will recommend CCCS and Payplan (who are great) but they deal mainly with English clients and while pretty good up her, they are not at the "sharp end of whats going on in the street" so to speak.
Have a look on this site, it will direct you to a Money Advisor in your area and also gives you a link to Debt Advice Information packs pertaining to Scotland on the web.
Please dont run away-it doesnt solve anything- and you have taken the first step by coming here and asking for help.
As far as creditors calling you at work-which ones are doing this?If they call you again, please advise them NOT to call you at work, that you are perfectly willing to sort your problems out and are taking Money Advice, and if they continue to harass you at work then you will report them to Trading Standards and the Office of Fait Trading (who probably wont do ****, but it may make the monkey on the phone back off)
Please read the OFT guidance on Debt Collection http://www.oft.gov.uk/NR/rdonlyres/50F0 ... t664.pdfon
If you wish to PM me your local authority area, I can perhaps recommend someone for you ( I am a Money Advice Worker)