I want to thank you and your team for offering to help me when I was at a crisis point back some 9+ years ago. The way GWF managed this was excellent and that took away a lot of my painful stress, thank you. I cannot put in words the relief I have for paying the creditors back in full "my hair may start to grow back!" and I look forward to the future.

S Fortescue, February 2021


A Trust Deed/Protected Trust Deed is a voluntary, agreement between you and your creditors. A Trust Deed is sightly different than Protected Trust Deed. A Trust Deed is not protected which means that the agreement is not binding on all of your creditors, whereas a Protected Trust Deed is binding meaning that creditors cannot take action against you. A Trust Deed will become ‘protected’ if the majority of your creditors are happy with the arrangement.

A Trust Deed allows you to make affordable monthly payments towards your debt over a typical term of four years, allowing you to repay all or part of what you owe. A Trust Deed is supervised by a Licenced Insolvency Practitioner, also referred to as a Trustee. A Trust Deed is available for Scottish residents only, a minimum of six months of residence in Scotland is required. Trust Deeds are an alternative option to Bankruptcy, or Sequestration as it is also known in Scotland.