A Debt Arrangement Scheme (DAS) is a statutory programme run by the Scottish Government.
It is designed to allow those in debt to more than one creditor to re-pay their debts over a longer period of time, in lower monthly payments that are more affordable.
Legal protection from your lenders
It is a legally binding payment plan to protect you from your lenders and prevents you from getting hassle from your creditors.
Applications for a Debt Arrangement Scheme can be made through Citizens Advice Scotland. DAS are not suitable for everyone. Before applying for a DAS speak to a debt advisor from Debt Advisory Line.