Debt Arrangement Scheme

Debt Arrangement Schemes are the Scottish alternative debt solution to a Debt Management Plan and can help you repay your unsecured debts in full whilst offering protection from your creditors.

Debt Arrangement Schemes (DAS) are run by the Scottish Government and only available for people who live in Scotland. DAS can help you repay your unsecured debts in full over a reasonable period of time and will freeze all interest and charges on your unsecured debts.

If you live in England, Wales or Northern Ireland, DAS is not available to you. Visit our pages on Debt Management Plans, which are the equivalent debt solution to DAS.

Disadvantages of a DAS

  • Your credit rating may be affected
  • If you do not maintain your DAS it may be revoked, meaning creditors can pursue legal action and reinstate interest and charges
  • Unlike Trust Deeds or Sequestration, your debts will not be written off, which means it could take much longer to repay your debts.

Advantages of a DAS

  • You make one affordable monthly payment that is disbursed to your creditors
  • You will be debt free when your DAS is complete
  • You are protected against any creditor action and all interest and charges will be frozen
  • Any interest and charges waived if you complete the programme

Is DAS right for me?

  • You must live in Scotland and have one or more debts
  • You are not in a Trust Deed or have been sequestrated
  • You should have a reasonable level of surplus income leftover after your normal living costs are met

All unsecured debts can be included as part of your DAS except court fines and child support payments.

DAS fees

Applying for a DAS is free and can be done via your local Citizens Advice Bureau (CAB). Fee-charging organisations can also help you set-up a DAS and offer monthly management of your scheme, which often involves a set-up fee to administer your DAS, followed by a monthly management fee.

How do I apply for a DAS?

DAS requires you to apply for a Debt Payment Programme (DPP), allowing you to repay your debts over an extended period of time set to an affordable level. Interest and charges will be frozen and it protects you against any legal action from your creditors.

Get debt help today

We can help you find a solution to start clearing your debt. Complete the form and we’ll call you back.

  • This field is for validation purposes and should be left unchanged.

By submitting your details you are accepting our privacy policy.

Explore Scottish debt solutions

Tell others:


Debt Arrangement Scheme

Updated on 2016-10-05T12:31:49+00:00, by Kristian Stock.