These organisations can provide you with advice on financial matters, often free of charge.
Citizens Advice Bureau Scotland
http://www.cas.org.uk/
0845 450 0351
National Debtline Scotland
http://www.nationaldebtline.co.uk/scotland/
0808 808 4000
Scottish Debtline
http://www.scottishdebtline.co.uk/
0800 138 3328