Help and advice Specialist advice NLCLS Debt Advice Service Debt Advice NLCLS Airdrie Debt Advisers provide specialist debt advice, dealing with matters such as income maximisation and a range of debt options e.g. bankruptcy, DAS and voluntary repayment arrangements to service users from across the community. The assistance offered includes negotiations with mortgage lenders and landlords in order to prevent the escalation of priority debts to legal action that could result in homelessness. Many clients find themselves in difficulty due to benefit restrictions, low incomes, job losses and family breakdown. We work to increase incomes where possible, and negotiate with creditors to agree a suitable debt solution for the clients, for instance, repayment plans, Debt Arrangement Scheme, Trust Deed or Bankruptcy.