The Debt Arrangement Scheme

The Debt Arrangement Scheme (DAS) is a formal program in Scotland that helps individuals manage their debt. It allows you to set up a payment plan to repay your debts over an extended period, usually up to 10 years. Under DAS, you pay a manageable amount each month based on what you can afford, and creditors must agree to this plan. Importantly, it protects you from legal action by creditors while you’re making your payments. The scheme aims to provide a way for those struggling with debt to regain control of their finances and work towards becoming debt-free.