Debt Arrangement Scheme

A Debt Arrangement Scheme (DAS) is a debt management program, run by the Scottish government, which allows you to repay your debts over an extended period of time whilst providing you protection from their creditors taking further action against you.

Who is eligible?

Live in Scotland
Have sought debt advice from a DAS approved adviser
Wish to repay your debts without the threat of creditors taking legal action
Have some disposable income following deduction of normal household expenses.

You must not be involved in another formal insolvency procedure at the time of application, such as:

Protected Trust Deed.
Bankrupt or subject to a bankruptcy restrictions order or a bankruptcy restriction undertaking.
Your DAS application only includes one debt and you are subject to a time to pay direction under section 1 (time to pay directions) or section 5 (time to pay orders) of the Debtors (Scotland) Act 1987.
The DAS application only includes one debt and is subject to a time order under section 129 (time orders) of the Consumer Credit Act 1974 (d), in relation to that debt.
You are paying a debt(s) under a conjoined arrestment order. If a creditor (whether the creditor is involved in the conjoined arrestment order or not) has tried lawfully to enforce another debt that is owed, then you may be eligible to apply for DAS.

Example of a Debt Arrangement Scheme (DAS)

Total Debt Level: £7,700
Debt Repayments BEFORE DAS: £340 per month
New DAS Monthly Payment: £100 per month
Monthly Payment reduction: £200 per month

This example is for illustration purposes only. Your results will vary based on your personal situation. Reducing debt repayments will increase your repayment term and may increase the total repayable amount.

Get advice before you apply

If you live in Scotland, speak to us before taking out an Debt Arrangement Scheme. If we think this is the right option for you, we will refer you to an insolvency practitioner, who will set up the Debt Arrangement Scheme for you.

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