The Debt Arrangement Scheme (DAS) is a debt management type scheme introduced by the Scottish Executive.

DAS can help you pay your debts in a managed way, without worrying about creditor pressure, and other creditor action which could lead to you losing your home and other assets.

How does DAS work?

Under DAS, a single regular payment is made. If you keep to the agreed payments, your creditors cannot carry out enforcement action against you.

Likewise, creditors are unable to take enforcement action against you, if you have intimated an intention to apply for a debt payment programme or have an application awaiting approval for more information, click here

Are interest and charges frozen?

Yes, DAS freezes interest, fees and charges on your debt from the date your DAS approved payment plan is approved.

Can anyone apply?

You cannot apply if you have been declared bankrupt or signed a trust deed. Apart from that, as long as you have more than one debt and money at the end of the month to offer to your creditors you can apply for DAS.

Apply Online for a DAS now

Click here to Apply online now

Debt Management could be an option for you if a DAS is not suitable so be sure to tell us if you are interested in other solutions too.