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One of the issues for Scots struggling with their debts are the health problems their situation may bring.

Now for people in two Scottish cities who are struggling with their money problems may find themselves being referred to a debt adviser when visiting their doctor.

The pilot schemes have been unveiled in Dundee and parts of Glasgow.

The debt advice will be provided by a charity which has received funding for the schemes.

The aim is to reach some of Scotland’s most vulnerable people who despite struggling with financial problems are unlikely to get help.

The recommendation to visit debt advisers may be prompted when the Scottish patient tells their doctor they are struggling with financial hardship and when facing homelessness and housing problems.

Scots who are struggling with debt and money issues

The charity involved in the scheme say Scots who are struggling with debt and money issues are often those who are below the radar with other services and they may only ask for help when they are suffering with a medical issue.

Those being targeted under the scheme include young adults on benefits as well as working age adults who are falling into debt and struggling financially.

A spokeswoman for the charity said it is well known that the pressure and stress for those who are struggling financially, particularly when their home is under threat, will cause ill health.

The charity says it’s hoping to reach those who are less likely to ask for help with their debts and often live in some of Scotland’s most deprived areas.

Should the pilot schemes be a success, those involved are hoping that the schemes will be expanded to other areas of Scotland.

There is no doubt that struggling with debt is a growing problem in Scotland but Scots do not have to suffer in silence when there is help available.

Debt advisers who can offer impartial guidance

For instance, there is a helpful team of debt advisers who can offer impartial guidance at Scotland’s Trust Deed.

They are available to contact every day by phone and have helped thousands of Scots already with their money problems.

Among the potential ways people in Scotland can resolve their debts is to opt for a trust deed which is an effective way of repaying at a rate they can afford and is generally over a longer term; it can be up to four years.

The big attraction for a trust deed is that the amount of debt that remains at the end of the term is called unaffordable and will be written off.

There’s also the choice of the Scottish government-run debt arrangement scheme which is similar except that all of the debts are repaid over a longer period.

Debt arrangement scheme is a popular choice

The debt arrangement scheme is also a popular choice because it prevents lenders from hassling someone in debt who then gets to enjoy some degree of legal protection.

It should be appreciated that the scheme is effectively a legal arrangement between someone in debt and their creditors and as such it should be respected and maintained. Failure to do so may see their creditors asking for repayment once again.

For more help and information about a trust deed and a debt arrangement scheme, the team of debt advisors at Scotland’s Trust Deed can offer more help and advice and there’s even an online debt test on their website to help people understand what potential debt solutions are available for those who live in Scotland.