Repay the debt
Unlike a Trust Deed, DAS is designed around repaying the included principal debt.
Debt Arrangement Scheme
Could DAS give you
Could DAS give you
breathing room?
The Debt Arrangement Scheme lets eligible people in Scotland repay included debts through an approved Debt Payment Programme based on what they can reasonably afford.
✓ One regular payment✓ Interest, fees and charges frozen✓ Protection from creditor enforcement
For people living in Scotland. Checking your options does not commit you to a debt solution.
How DAS works
DAS is a statutory Scottish debt management solution administered by Accountant in Bankruptcy. An approved Debt Payment Programme allows you to repay included debts over time based on disposable income.
Interest, fees, penalties and other charges on included debts are frozen from the application stage and, if the programme completes successfully, those frozen amounts are written off.
Protection
Creditors included in an approved DPP are restricted from taking separate enforcement action.
Affordability
Payments are based on the financial assessment rather than simply maintaining existing contractual payments.
Why people compare DAS with a Trust Deed
DAS can appeal to people who want to repay what they owe but need a longer, structured period and protection from creditor action.
For homeowners and people with assets, it can be particularly important to understand the differences between DAS and an insolvency solution before deciding.
No Trust Deed-style principal write-off
You repay the included principal debt through the programme.
Potentially longer duration
The programme runs for the period needed to repay the included debt based on the agreed payment.
Scottish residents
DAS is available to individuals habitually resident in Scotland.
Common questions
Questions people ask before taking the next step
Is there a £5,000 minimum for DAS?
DAS does not use the same £5,000 minimum debt threshold that applies to Trust Deeds.
Does DAS freeze interest?
Yes. Interest, fees, penalties and other charges on included debts are frozen from the application stage, subject to the programme rules.
What if a DAS is revoked?
If a programme is revoked, protections can end and previously frozen interest and charges may become relevant again under the scheme rules.
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You don’t have to work it all out yourself.
Answer a few questions and find out which Scottish debt options may be worth discussing.
✓ Protected Trust Deed✓ Debt Arrangement Scheme✓ Other options where appropriate
Start My Scottish Debt Check →
Confidential. No commitment. For Scottish residents.