Debt Arrangement Scheme (DAS)

If you have a debt problem, one of your options for sorting it out might be a Debt Arrangement Scheme (DAS). A Debt Arrangement Scheme is an option for those who wish to be protected from creditor legal action while repaying their debts in full at an agreed, affordable repayment rate. A Debt Arrangement Scheme is a solution only available in Scotland.

Remember, a Debt Arrangement Scheme might not be your only option and it might not be the most appropriate debt solution for your needs. Our trained advisors can assess your financial situation and help you find the most suitable option for you.

Listed below are some of the Main Advantages & Disadvantages of a Debt Arrangement Scheme

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  • A DAS offers you legal protection from your included creditors

  • Your assets are generally not included in a DAS

  • Interest and charges on included debts will be frozen

  • Creditors cannot legally chase for additional payments

  • The payments you make into a DAS are based on your income and expenditure, so should always be affordable to you


  • You must go through a Money Advisor to get a DAS

  • You must pay a monthly fee to your Payment Distributor

  • Your credit file will be affected for 6 years and your ability to obtain credit may be limited

  • You can only make one application a year, so if your DAS application is rejected you will have to find an alternative solution or wait 12 months before reapplying

  • Some money advisors may charge a setup fee. 10% of your monthly payments are also taken as fees – 8% by your chosen payments distributor and 2% by the Accountant in Bankruptcy