The promise of assistance from the Holyrood Government comes as new figures show how household bills have soared by almost two-thirds in the past five years.
A six-week TV and online campaign by the Scottish Government will tell the public about the state debt service which enables people to pay back debts, while interest fees and charges are frozen. The Debt Arrangement Scheme (DAS) stops creditors using debt-enforcement action, which means people will not lose their homes as long as they keep up mortgage payments, and bailiffs will not remove goods.
Household bills in Scotland have soared by almost as much as two-thirds in the past five years, according to new figures published today by the SNP. However, wages have not kept pace with spiralling prices of food, energy and petrol, with average pay rising by only 9% over the same period.
A recent survey by the Money Advice Service, the UK statutory body which helps people manage money, found just over half - 52% - of respondents were struggling to keep up with their bills and credit commitments in 2013, compared to 35% in 2006.
Here we take a look at what is behind the rising cost of living and how they have affected households in Scotland.
A recent report from social research policy charity the Joseph Rowntree Foundation found the earnings required to meet the level of income needed to reach a minimally socially acceptable standard of living have rocketed over the past five years.
For a single person it has gone up 17%, from £13,859 to £16,852. For a working couple with two children it has risen from £27,940 to £38,759 a year, an increase of 38%.
However, the SNP figures show the average weekly gross pay only went up by 9% between 2007 and 2012 - from £361.20 to £393.70 a week.
Katie Schmuecker, policy and research manager at the Joseph Rowntree Foundation, said: "The cost of essentials has gone up incredibly quickly, much faster than earnings have been rising. There is a real tightening squeeze that families are experiencing.
"It is not simply about surviving, it is about being able to participate in society - the research suggests more and more people are falling below that standard of living."
She added: "We think it is likely that the next General Election will be the first one since 1931 where living standards have been lower than they were at the previous election."
MORTGAGE-holders have benefited from a historically low interest rate of 0.5% over the past four years. But with many struggling to get on to the property ladder due to tightened lending criteria, demand for rental property has increased.
According to the latest report from residential lettings site Citylets, average monthly rents in Scotland rose from £633 during the second quarter of 2009 to £693 in 2013, up 9.5%.
Gordon MacRae, head of policy at Shelter Scotland, said all sectors of society were being affected by the squeeze on budgets. The charity has recruited five money and debt advisers in the past two years amid growing need for advice on issues such as bankruptcy.
He said: "Increasingly, the best service we can provide is money and debt advice, rather than simply housing advice.
"Many people come to us through the telephone helpline and often we are talking about people who are in work.
"This is not an out-of-work problem, this is people who are struggling to pay high rents, for example, and struggling with other debts possibly."
He added: "Such is the degree of job insecurity, it doesn't take much loss of income for people to find themselves really stuck."
Rocketing childcare costs are among the many factors putting pressure on family budgets, with figures from The Daycare Trust showing they have risen by up to 50% over the past five years in Scotland.
The average cost of a nursery for under-twos, based on 25 hours of childcare a week, rose from £70.50 in 2008 to £101.19 in 2013 - an increase of 43%.
For children aged two and over in nursery, average costs rose by 47% - from £64 to £94.35. Childminding costs also rose by more than one-third between 2008 and 2013 - from an average of £69.50 to £93.22 for children under two, and from £70.50 to £92.92 for the over-twos.
A report on Scottish childcare carried out by the trust also found the cost of nurseries, childminders and out-of-school childcare in Scotland was higher than in nearby local authorities in northern England.
Among the factors suggested for this difference is that more people live in rural areas in Scotland. A lack of supply in some areas can push up costs.
Thomas Lynch, chairman of playgroup Dads Rock , said: "You only need to look at waiting lists for creches to know that parents in Scotland need more childcare provision."
IN July this year, food prices were up by 2.2% compared to last year, but non-food items fell by 2.1%. According to SNP figures, the price of bread has gone up by 37% in the past five years - from 90p in 2007 to £1.24 in 2012.
A kilo of beef mince increased by just over 50%, from £4.81 to £7.25, while potatoes were up 30% from 55p per kg to 72p per kg.
According to Professor Derek Stewart, of environmental research centre The James Hutton Institute, one of the biggest influences on food prices recently has been variability in weather.
Last year, the wheat yield in the UK was down by 14%, potatoes fell by 25% and apples were down by 27%.
Stewart said: "That is disastrous. People scrabble around for supplies and the processors have to import. They will be importing late in the day and pay higher costs for what they need to bring in. Someone has to pay for it and invariable that cost trickles through.
"Crops have been bred for ideal or stable conditions so they are not used to having this scenario. We are looking to see if we can make crops which can more easily take this variability in weather."
ONE of the biggest concerns consumers point to is the rising costs of fuel bills. According to the SNP figures, household energy bills have risen by 61.1 per cent in the past five years.
Energy UK, the trade association for the industry, claims fluctuating wholesale energy prices, governmental environmental programmes and investment in modernising the network are driving up costs.
A spokesman said: "Companies try and cushion price rises wherever possible, but higher wholesale gas prices have been the main driver of increasing energy bills."
Campaigners have called for greater transparency in the system to show that profits being made by energy companies are not excessive.
Following a recent inquiry, MPs on the House of Commons Energy and Climate Change Committee said a "brighter light" needed to be shone on the internal structure of energy companies.
Richard Lloyd, executive director of consumer organisation Which?, said: "Although suppliers have blamed rising wholesale prices and the cost of Government policies, a lack of transparency makes it hard to establish the facts."
IN 2008, drivers had to contend with rapidly rising fuel prices which saw petrol peak that year at 119.5p per litre. In April 2012, the price was up nearly 20% on that figure, reaching a record high of 142.48p.
Prices have continued to fluctuate since then, with the latest average for the UK in June at 137.31p per litre for petrol. The cost of a litre of leaded petrol has risen by 44.7% in the past five years, according to the SNP figures - from an average of 94p to £1.36.
Luke Bosdet, spokesman for the AA, said: "One of our central gripes is there is no transparency in the market where our members can see what the wholesale price of fuel is and whether that is being reflected at the pumps."
Meanwhile, a hike in rail fares was announced last week and Scottish peak-time passengers are facing a rise of 3.1%.
Iain Docherty, professor of public policy and governance at Glasgow University, pointed to a 2011 report which found that the rail system in Britain was around 30% inefficient in its current structure.
He added: "If we want to do something about the cost of the railway and by extension the fares, then that is what has to be addressed."
THE UK Government said measures to help households cope with the rising cost of living have included raising the tax-free personal allowance to £10,000 next year and freezing fuel duty. It also claimed there are "more people in private sector employment than ever before" and that wages grew by 2.8% in 2012.
But shadow Treasury minister Cathy Jamieson, MP for Kilmarnock and Loudoun, said: "The Government is trying to suggest unemployment is down and employment is up, but many people are now in part-time work where they want full-time hours."
She also pointed out many households which have been hit by rising prices would never have previously thought of themselves as being in a vulnerable position.
"Many of those people are having to eat into savings to pay things like fuel bills or keep their car on the road," she said.
"It is also having an impact on those who are at the lowest income levels, who just have a grind on a week-to-week basis."
The Scottish Government said the UK Government's austerity was placing household budgets under pressure, adding it was doing "everything it can".