As much of England struggles to cope with debt and the credit crunch, things are equally as bad north of the border according to new statistics from Callcredit.
The group say that non-payment of financial debts grew by 3% in the first three months of 2008, with many Scots now facing the prospect of losing their homes and assets.
Mel Mitchley, director of Callcredit commented, "Clearly, the rising cost of living is hitting families hard, and larger numbers are reaching the point where they can no longer make ends meet."