Offering a clear, professional, responsible service is at the heart of what we do.

Our licensed insolvency practitioners have extensive experience in dealing with difficult personal debt situations. We believe in ‘ask don’t tell, listen don’t talk’. By listening to what matters to you the most, we help to solve problems and face challenges.

We work closely with money advisers to support their money advice service needs, including making appropriate referrals. We provide bespoke debt solutions for individuals and businesses including sequestration (bankruptcy), protected trust deeds, administration and liquidation.

We also offer consultancy on insolvency matters and provide a range of training programmes on issues such as insolvency and dealing with business debts.

How we work with advisers

Compliance led approach

From the start we will work closely with you to set up referral procedures in line with the Scottish National Standards for Information and Advice Providers (SNSIAP).

Each referral can be made through our secure referral hub ensuring complete compliance with the Data Protection Act and GDPR.


As part of our referral agreement, we will provide you with feedback on your referral, working with you and your client to achieve the best outcome and to enable you to monitor our service.

Named contact

We will give you a dedicated contact at Johnston Carmichael, should you need to contact us about your referral of if you would like to discuss a client's case.

Quality control

We’re dedicated to delivering a quality service and as part of this we regularly seek feedback from our clients on our service.

Get in touch with our advisers

When it comes to confronting a debt problem, a problem shared, really is a problem halved.

To find out more about how we can work with you, please contact our Money Advice Team for an initial chat on 0800 111 4071 (freephone) or at:

Johnston Carmichael is authorised and regulated by the Financial Conduct Authority. FRN 809465.

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Reason for meeting

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