The Consumer Credit Counselling Service (CCCS) has expressed concern after a 22% increase in the number of calls from Scotland to its debt advice hotline.
The increase in calls was met with surprise by the CCCS, whose own research claims that prudent Scots tend to have fewer bankruptcy recommendations than elsewhere in the UK.
Liz McVey, manager of CCCS Scotland, said: "The rise in people from Scotland seeking help with their debts in the past six months is very worrying."