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What is a Debt Arrangement Scheme?

The Debt Arrangement Scheme (DAS) is a government sponsored debt management solution for people living in Scotland. It allows people with two or more debts time to pay without having to go through the courts.

A DAS allows you to reduce the monthly payments you make to your creditors to an amount that you can afford. The payment plan can be for any amount of money or for any reasonable length of time.

A DAS also gives you legal protection against your creditors, stopping them from taking further debt enforcement action against you and forcing them to freeze further interest and charges. In effect, a DAS is legally binding Debt Management Plan (DMP).

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