Debt Arrangement Scheme (DAS)?

The Debt Arrangement Scheme (DAS) is a statutory debt management tool overseen by the Scottish Government. It lets you apply for a debt payment programme (DPP) to repay your debts over a reasonable period by making affordable monthly payments.

The Debt Arrangement Scheme (DAS) is not available if you live in England, Wales or Northern Ireland. In these countries, a debt management plan (DMP) is a similar solution, but it’s important to note that it has different benefits, risks and fees associated with it.

Is a DPP suitable for me?

A DPP will work for you if:

• You live in Scotland
• You have money left over once you’ve paid your household bills
• You owe money to one or more organisations or persons