Scottish enforcement guide
A charge for payment
Understand a Scottish charge for payment, the usual 14-day deadline, enforcement risk and what to take to a debt adviser before time runs out.
Scotland · debt collection & enforcement
Debt collectors & sheriff officers in Scotland
Find a Scottish sheriff-officer firm, check a debt letter and understand enforcement, your rights and the limits of trust deed protection.
Find a firm ↓A letter is a starting point—not the whole story
Check who is contacting you, who the creditor is and what document you have received. The same firm can carry out ordinary collection work, deliver court papers or enforce a court order. Those activities are not interchangeable.
If a court deadline, charge for payment, arrestment or visit is imminent, seek free Scottish debt advice promptly. Searching for a firm or making a complaint does not pause a legal deadline.
This independent directory does not collect debts, accept payments or represent the firms listed. It covers Scottish enforcement roles; it does not claim that any listed firm deals exclusively with Scottish-origin debts. Read the coverage rules.
Your next step
What have you received?
Scottish enforcement guide
Who is contacting you?
Understand why Scotland uses sheriff officers, how they differ from ordinary debt collectors and why the document matters more than the firm name.
Scottish enforcement guide
Bank or earnings arrestment
Understand the difference between Scottish bank and earnings arrestments, what documents to gather and why a trust deed needs case-specific checks.
Scottish enforcement guide
Trust deeds & enforcement
Understand when Scottish protected trust deed status affects collection, the limits for secured or new debts and what to do about existing enforcement.
Scottish enforcement guide
Complaints & disputed conduct
Choose the right Scottish complaint route, keep useful evidence and understand why a conduct complaint does not automatically stop debt enforcement.
Scottish enforcement guide
Council tax & summary warrants
Check Scottish council-tax arrears, summary-warrant charges, sheriff-officer correspondence and how existing arrears differ from ongoing bills.
Scottish enforcement guide
Check a debt letter
A practical Scottish checklist for identifying the collector, creditor, balance and deadline before responding to a debt letter or payment request.
Scottish enforcement guide
A visit to your home
Know how to check a Scottish sheriff officer’s identity, ask for authority to enter and get help with exceptional attachment or an imminent visit.
Professional-directory coverage
Find a Scottish sheriff-officer firm
All 24 firms in the SMASO member-firm listing checked for this edition, in alphabetical order. These are identity profiles, not recommendations or a list of firms proven to collect only Scottish debts.
Showing all 24 firms
Falkirk, Livingston and Stirling
Alex M Adamson LLP
Scottish enforcement and wider services
Identity, scope & correspondence checks
Wallaceton, Dumfries
Clarks
Scottish professional listing
Identity, scope & correspondence checks
Kilmaurs, Kilmarnock
Colin Ross Wilks
Scottish professional listing
Identity, scope & correspondence checks
Glasgow area
Davidson Dempster LLP
Scottish services described
Identity, scope & correspondence checks
Glasgow
Fraser Irvine Sheriff Officers
Scottish services described
Identity, scope & correspondence checks
Thornliebank, Glasgow
Gordon & Noble
Scottish enforcement and wider services
Identity, scope & correspondence checks
Glasgow
Graham Lowrie
Scottish professional listing
Identity, scope & correspondence checks
Glasgow area
Graham Stewart & Co.
Scottish professional listing
Identity, scope & correspondence checks
Glasgow
Hannahs
Scottish professional listing
Identity, scope & correspondence checks
Motherwell
James S. Orr
Scottish professional listing
Identity, scope & correspondence checks
Hamilton
John Campbell
Scottish professional listing
Identity, scope & correspondence checks
Hamilton
Kiernan Oliver
Scottish professional listing
Identity, scope & correspondence checks
Dundee
Killean & Co.
Scottish professional listing
Identity, scope & correspondence checks
Greenock
Kirk & Co.
Scottish services described
Identity, scope & correspondence checks
Dunbar
Llewellyn & Co.
Scottish professional listing
Identity, scope & correspondence checks
Airdrie
Malcolm J. Boyd
Scottish professional listing
Identity, scope & correspondence checks
Inverness
McEwan Hogg Sheriff Officers LLP
Scottish professional listing
Identity, scope & correspondence checks
Glasgow
Miller McKenna
Scottish professional listing
Identity, scope & correspondence checks
Livingston, Edinburgh, Glasgow and Aberdeen
Nelson James
Scottish services described
Identity, scope & correspondence checks
Glasgow
Rutherford & Macpherson
Scottish professional listing
Identity, scope & correspondence checks
Glasgow registered office; Scottish service network
Scott & Co.
Scottish enforcement and wider services
Identity, scope & correspondence checks
Kilmarnock collections base; Scottish service network
Stirling Park LLP
Scottish services described
Identity, scope & correspondence checks
Edinburgh
Thomas Hannah & Co.
Scottish professional listing
Identity, scope & correspondence checks
Aberdeen, Edinburgh, Glasgow, Inverness, Kirkcaldy and Paisley
Walker Love
Scottish enforcement and wider services
Identity, scope & correspondence checks
No matching firm in this edition. Try a shorter name or check the live SMASO directory. Absence here does not prove a letter is false.
What this directory covers—and what it does not
The inclusion baseline is SMASO’s Scottish member-firm listing. We checked every listed firm’s profile and used firm websites where they could be verified. A Scottish office, Scottish registration or work for a Scottish creditor does not establish that a company only handles Scottish-origin debts.
Some firms, including Walker Love, Alex M Adamson and Gordon & Noble, explicitly describe wider or cross-border work. Their profiles are included for their Scottish enforcement role, not labelled Scotland-exclusive. Smaller firms with limited public information are identified as professional listings; we do not invent client lists or service coverage.
Why not add every debt collector with a Scottish office?
BPO Collections describes UK client work; Resolvecall describes a UK-wide field service; and Pastdue Credit Solutions lists international collections. We have not created Scotland-only firm pages for these wider-market collectors. Scottish residents dealing with them can still use the letter-checking and complaints guides above.
This is not an exhaustive register of every business that might pursue a Scottish resident. Check the current SMASO firm directory and individual officer search for professional details. Membership is not authentication of an individual letter. Read our editorial and source policy.