When Carole, a full-time nurse in Glasgow, found herself in credit card debt and unable to meet even the minimum repayments, she was, in one way, fortunate.
Following an appointment with a debt adviser, Carole decided that the security and protection offered by a debt payment programme was the best option. This enables Carole to repay her debts over an agreed period, based on a fair assessment of what she can afford. She wont face escalating interest or penalty charges and the Scottish legal protection provided by the scheme means she does not have to worry about creditors harassing her for payment.
But if Carole had lived in England or Wales, where agreements between debtors and credits do not offer the same protection, things would…
Read the full article at: http://www.theguardian.com/public-leaders-network/2016/mar/14/debt-scotland-england-wales-protection