PEOPLE in Moray struggling to pay back crippling debts have a new agency to turn to for help.
The Scottish Government has launched the Debt Arrangement Scheme (DAS).
The initiative enables people to pay back debts over a reasonable length of time, based on the amount owed and their income and outgoings.
Administered by government agency Accountant in Bankruptcy (AiB), it also freezes interest, fees and charges to prevent debts mounting up.
It stops creditors using debt enforcement action, safeguarding people’s homes so long as they keep up mortgage repayments.
The campaign will help people take the first step in solving their money worries by directing them to information on how to find their nearest approved money adviser online at www.helpoutofthehole.org, which went live on Monday.
Enterprise Minister Fergus Ewing said: "The Scottish Government continues to take action, where it can, to address these problems and introduce measures to help those people in Scotland who are struggling under the burden of debt.
"The Debt Arrangement Scheme is the only government-backed scheme to help people pay back their debts in a dignified way, protecting them from the threat of action by their creditors.
"Recent changes to the scheme have allowed for earlier freezing of interest, fees and charges helping to prevent debts increasing further.
"Our aim with this campaign is to raise awareness of DAS which helps people faced with the difficulties of debt to take control of their finances and get help out of the hole."