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Debt Arrangement Scheme (DAS)

The Debt Arrangement Scheme (DAS) is a legal solution run by the Scottish government. It allows you to pay back your debts over time through a Debt Payment Programme (DPP). Interest and charges are frozen during the programme, and creditors cannot take legal action against you.
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Benefits

  • Creditors included in the DPP cannot pursue further action.
  • One affordable monthly payment simplifies debt management.
  • Repay debts over a reasonable and manageable period.
  • Flexible to adapt to changing financial circumstances.

Considerations

  • Creditors may object to your DAS proposal.
  • Your bank account might be restricted to basic functionality.
  • Some debts cannot be included in a DPP.
  • Your credit rating will be impacted.
  • Your details will appear on the DAS register.
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Examples of debts that can be included*

Credit & Store Cards

Personal loans

Catalogues

Overdrafts

Buy Now, Pay Later

Payday loans

Examples of debts that may be included*

Utility bill Arrears (gas, electric, water)

HMRC debts (self-assessment)

Benefit overpayments (DWP or local authority)

Council Tax Arrears

Rent arrears

Debts to friends or family

Examples of debts that cannot be included*

Child maintenance arrears

Student loans

Secured loan arrears

Court fines

Mortgage arrears

Car financing arrears (including PCP & HP)

Faqs

The Debt Arrangement Scheme is a debt repayment plan available in Scotland. It allows you to repay debts over time through a Debt Payment Programme (DPP), with interest and charges frozen, and legal protection from creditors.
DAS is ideal for people who: · Live in Scotland · Have a steady income · Can repay debts in full over time · Want to avoid insolvency options
You make one monthly payment based on what you can afford. This payment is shared among your creditors. Interest and charges are frozen, and creditors cannot take legal action as long as the DPP is in place.
Most unsecured debts: · Credit cards and loans · Council tax and utility arrears · Overdrafts · Payday loans
Yes, entering a DAS will be recorded on your credit file and remain there for six years. This may impact your ability to obtain new credit during and shortly after the plan.
No, DAS is not an insolvency solution and does not require you to sell your car or home. As long as you keep up with your agreed payments, your assets are protected.
You must work with a qualified money adviser who will help set up your DPP and deal with your creditors on your behalf.
If you fail to maintain payments and don’t request a variation, your DAS could be revoked, removing legal protection and allowing creditors to resume action.
Yes. If your finances improve, you can increase payments or make a lump sum payment to settle the plan sooner.

How can Debt Free Associates Limited help?

Our knowledgeable team can assess the best option for you and connect you with trusted partners who can administer the arrangement. Contact us today or use our live chat for immediate assistance.
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