Consumer Debt Arrangement Scheme (DAS)

The Consumer Debt Arrangement Scheme (DAS) is a formal process in Ireland designed to help individuals manage and repay their unsecured debts—such as credit cards, personal loans, or overdrafts—by arranging a structured repayment plan with creditors. Approved by the courts, DAS extends the repayment period, reducing monthly payments and making debt more manageable. It offers legal protection from creditors taking legal action during the arrangement and aims to help debtors regain financial stability while paying off their debts over time.