Life Changing

In the CMAS office we have the following written on a large Scottish wall map:

"6th November 2013"

To others this will mean nothing, to CMAS, well, this means...everything.

ON the 6th of November we got an email through from our centre in Livingston to let us know that the first client within a CMAS affiliated centre was now DEBT FREE in Scotland. After 2 years of putting the foundations in place, we can now say we are making a difference to the life's of people blighted with personal indebtedness.


Please watch the CMAS video below to find out more about why we do what we do. Please feel free to share this video with friends and collegues to raise awareness of the debt issues in Scotland.



CMAS is here to inspire and support Scottish Churches, faith communities and community groups to enhance the national coverage of free face to face debt advice, to help reach areas and people who dont currently have access to a free service. Our simple and cost-effective structure enables CMAS to reach areas of the country that have little or no debt advice services. 

CMAS operates on the same basis as it does in England and Wales, providing community organisations with the support to establish local, free to client, face to face debt advice services, through the provision of a range of support services. An overview of services provided can be downloaded below:


Work has already begun in West Lothian, Edinburgh, Falkirk, Levenmouth and Aberdeen through our CMAS affiliated centres The Bridge, Salvation Army (Gorgie & Falkirk), Levenmouth Foodbank and Ditch Debt with Dignity. 


With such a positive start our prioity over the next 2 years will be to support the growth of the network into other areas of the country. 

If you are interested in Setting up a CMAS centre then please click here or contact Stephen Curran.


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CMAS are members of Money Advice Scotland - please visit for more information on their work.