Debt Arrangement Scheme
Debt Arrangement Schemes (DAS) 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.
They are only available for people who live in Scotland, so if you live in England, Wales or Northern Ireland please visit our pages on Debt Management Plans, which are the equivalent debt solution to DAS.
Debt Payment Programme (DPP)
DAS can help you by allowing you to set up a Debt Payment Programme (DPP). A DPP can help you repay your unsecured debts in full over a reasonable period of time depending on the amount of debt and how much the debtor can pay.
Regular payments towards you unsecured debts will be made to your Creditors as agreed under the terms of the DPP. Once your application to creditors has been submitted for approval, all interest and charges will be frozen provided your application is approved.
Disadvantages of a DPP
Advantages of a DPP
Is DAS right for me?
Applying for DAS and 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 fees.