Recent media coverage of our partnership with James McFadden (July 2, 2026) has prompted an important conversation about the stigma surrounding debt.
Over the course of the World Cup, Scottish Debt Advice (a trading style of Carrington Dean) has been working with James to raise awareness about the importance of opening up and discussing financial worries with loved ones.
Unfortunately, the stigma surrounding debt continues to prevent many people from seeking help at an early stage
Financial difficulties are often made worse when people feel unable to talk about them. This can create feelings of shame and guilt, leaving people feeling overwhelmed and unsure of where to turn for help.
Every day we speak to people who are anxious about opening letters, answering the phone or talking to family members about money. Reducing the stigma associated with debt is an important part of helping people seek advice before their situation becomes more difficult.
Many of the people we support tell us that an unexpected life event – such as illness, redundancy or relationship breakdown- contributed to their financial difficulties.
In addition, many people also say they wish they had spoken up about their worries earlier, but buried their heads in the sand for fear of judgment.
That first conversation with a family member, close friend or trained professional can relieve a great deal of emotional pressure and enable people to take the first step towards a solution.
Most importantly, it’s important to remember that debt doesn’t discriminate. Debt can happen to anyone for a variety of reasons.
Public discussion about debt can have a significant impact on people who are already feeling vulnerable. We believe conversations about debt should encourage people to seek help rather than reinforce feelings of shame or embarrassment.
People who have experienced financial difficulties can play an important role in encouraging others to ask for help, alongside qualified debt advisors and support organisations.
We encourage anyone worried about debt to seek free, impartial debt advice as early as possible. There are a number of organisations that can help, including MoneyHelper, Citizens Advice and FCA-authorised debt advice firms who can explain the options available based on individual circumstances.
That first conversation is vital. We have to do more to encourage people to speak out and take that first step towards help.
