A Protected Trust Deed in Scotland can include unsecured debts. Unsecured debts are but not limited to credit cards, store cards, personal loans, overdrafts, credit accounts, rent arrears, council tax arrears, HMRC debts, DWP debts, mortgage shortfalls, hire purchase shortfalls, fixed sum loan agreements, guarantor loans, payday loans and much more - for more information see our page dedicated to debts that can be included in a Protected Trust Deed in Scotland. A Protected Trust Deed in Scotland will not be able to include mortgages (unless the house has been repossessed), SAAS debts, hire purchase (unless a shortfall), criminal fines or debts classed as fraudulent.