Debt Arrangement Scheme (DAS)

The Debt Arrangement Scheme (DAS) is a Scottish government program designed to help individuals manage their debts. It allows you to set up a formal payment plan to repay your creditors at a rate you can afford, while protecting you from legal action for non-payment. Once your DAS is approved, interest and fees on your debts are frozen, making it easier to work towards becoming debt-free. The plan typically lasts for a set period, usually up to 10 years, and can provide much-needed relief and a structured way to regain control of your finances.