About Community Money Advice Scotland


Community Money Advice Scotland (CMAS) is an integral part of the national charity Community Money Advice (CMA) committed to supporting churches and community groups who have a passion to help people overcome their money problems. CMAS provides all the resources, training and support needed to establish and maintain local, free and face to face debt advice services.

Each year our centres help thousands of people, from all walks of life, escape from the blight of indebtedness by providing free, unconditional, fully confidential advice and practical support.Our fully-trained debt advisers offer advice specific to each client's needs and advisers will give as much time and support as required until debts have been repaid and financial stability achieved. During the advice process clients will also be taught budgeting and money management skills to ensure they have control over their finances enabling them to remain debt free in the future.



Need Help?

Freedom from debt; we can help you

We know all about debt and what impact it has: it can feel like being in a prison where you  see no way out. It can make you feel afraid, ashamed, guilty, angry. We know it can make every part of your life hard and stressful; make you feel you can’t face another day.

However, there is a way out and our advisers can help you to get free. They help thousands of others across the UK every year to not only get out of debt but teach them how to remain debt free in the future. Our services are always:

  • Free and face to face with a real person
  • Confidential, sympathetic, and you’ll never be judged

Our advisers will

  • take over dealing with your creditors
  • help you manage your household budget
  • work with you for as long as you need help

For more information about the services our centres are able to offer, find your nearest CMAS centre and make an appointment with one of our experienced advisers use the link below

Inspired to Help?

Giving hope for the future

There are many ways you can help those struggling with the burden  indebtedness brings

  • Open your own Community Money Advice Scotland centre
  • Train as a debt adviser or volunteer at an existing centre
  • Train to be able to offer budgeting help & guidance
  • Offer signposting to online & telephone advice
  • Support CMAS financially

To find out more about how you can join in our life changing work use the links below

Training and Conference

Learning Together

CMAS is able to take anyone interested in learning about being a debt adviser from a position of no knowledge to becoming a fully trained, accredited debt adviser. Our Money Advice Service Generalist Adviser accredited training course is complemented by the following workshops:

  • Essential Benefits 
  • Budgeting & Budget coaching
  • Insolvency training
  • Centre Manager

For CMAS centre advisers there is also the opportunity to access our online training modules: 

  • listening skills
  • role play

As a family of centres we all have the opportunity to meet together once a year for a time of learning, worship and networking over two days at our national conference. With a range of speakers and different seminars it is a great way of keeping up to date with what is happening in the debt advice sector as well as being refreshed, encouraged  and envisioned for the year ahead


For existing CMAS centres and CMAS advisers, a full range of documentation and resources is available to support your work including:

  • All the policies and procedure templates and guides to be able to setup and run a centre:
  • Adviceline details
  • FCA and CONC compliance guides and templates
  • Insolvency information, options and documentation

In order to access these you will need to login.