The Three Most Important Things You Need to Know About Debt Counseling | HeraldScotland

The cost of living crisis shows no sign of stopping anytime soon. Not only does this impact on the weekly shop, but for many it will cause them to fall behind on their bills. For some, this will be the first time they have faced debt problems.

Many don’t know that if they have debt problems, professional advice tailored to your circumstances is just around the corner a phone call away. When people have sought debt advice, 79% say they would recommend it to others.

What sets Cleanslate apart

At the heart of Cleanslate’s approach is the core value: Do The Right Thing.

“We keep our clients at the heart of everything we do. We believe the best way to help is by taking the time to properly understand your circumstances, providing the right advice and guidance for you. That, in a nutshell, is what Cleanslate is about,” said Chris Malloch, Head of Cleanslate.

If you don’t know much about debt counseling, here are the three most important things to know.

1. How debt counseling can help

“Many people we talk to feel lost and don’t know how to get out of debt. Professional debt counselors can take the weight off your shoulders by providing you with a clear and easy-to-understand plan to get your debt under control, stop creditor pressure and reduce your monthly payments to an affordable level,” says Chris Malloch , head of Cleanslate, which operates from offices in Glasgow, Edinburgh and Aberdeen.

2. There’s more to life than a credit score

“I don’t want to hurt my credit score is one of the most common phrases we hear,” says Chris.

“While your credit score is likely to be affected by a debt settlement, not making your monthly debt payments will also affect your score. Dealing with your debts and getting counseling will help you manage them effectively, alleviating the stress and impact that debt inevitably has on your health and well-being.

“This is much more important in the long run. If you are in debt and need help, take control of your finances, don’t let your credit score hold you back. Many of our customers couldn’t believe the positive impact it has had have had debt settlement in their lives.”

Chris Malloch, Head of Cleanslate

3. How to contact a debt counselor

Cleanslate are Scottish regulated debt advisers with over 20 years’ experience of providing end-to-end debt advice and solutions. “If you find yourself struggling with debt or can see potential debt problems just around the corner, act now. Give us a call,” says Chris.

Cleanslate helps with formal debt solutions in Scotland, including the Debt arrangement scheme, Protected Trust Deeds i bankruptcy. There are also other organizations that people can call. For the last 20 years we have provided expert advice and training to charities such as Citizens Advice and Step Change Debt Charity who do excellent work and offer free advice in this sector.

Visit our website:

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Call us: 0141 319 7654

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