Debt in Scotland has become a new epidemic. It has claimed more and more individuals and households as the cost of living has risen dramatically and the value of incomes has declined in parallel.  However, for many, options to tighten budgets in order to meet rising costs were already exercised long ago.  There is nowhere left to go.  What advice, support and assistance can be given to the rising number of people falling into debt that they cannot manage?  Can their debt be reduced and stability restored to their living costs?  Can our statutory debt management, debt relief and debt advice resources meet the volume of demand and the scale of need within that demand?

This conference will take place online.

Scotland's public services provide critical support to every age group, community and area of activity. They are essential to wellbeing, the economy, public safety and quality of life. However a tsunami of challenges to our services already exist, with many more on the horizon. The labour market is constricted, creating acute staffing shortages. COVID has left services struggling to catch up and keep up with demand. War has driven economic instability and UK government fiscal uncertainty suggests serious funding issues for public services. The context seems to be that change is now permanent. So what can those leading and delivering our critical public services do to cope with the challenges of now and prepare for those which are coming? How can they harness smart service design approaches and core elements of delivery to provide services which remain resilient, reliable and relevant? What opportunities exist to work differently and better in trying to do more with less?

The conference will take place online.