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Reviewed 6th March 2025

How does the Debt Arrangement Scheme work?

A DAS Approved Advisor reviews your income, assets and liabilities to make sure it is the right product for you. A Debt Payment Programme is then drawn up which takes into account your household expenses such as rent, food and utilities, and sets out how much you need to pay against your debts each month, and for how long. This ensures that your living expenses are covered, and that debts are consolidated into a single affordable payment.

FAQs

Other Related FAQs

Are any debts excluded from DAS?

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Debts that will not form part of your Debt Payment Programme include: Some secured loans Student loans Court fines

Are any outstanding debts written off?

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Under the Debt Arrangement Scheme, all debts included in the Debt Payment Programme will need to be repaid, minus interest and charges. The idea is that several debts are consolidated into one affordable monthly payment that continues until all creditors are repaid.

Do my creditors need to agree the Debt Payment Programme?

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Creditors generally need to agree to the Debt Payment Programme, but the Accountant in Bankruptcy has the power to approve a Program without the agreement of creditors in certain circumstances.

Does DAS provide protection from creditors?

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Yes, this is one of the reasons why the Scottish government introduced the scheme. As long as payments set out in the Debt Payment Programme are met, creditors will not be able to make contact or take legal action against you. All correspondence is dealt with by your DAS Approved Advisor.

How long does a DAS last?

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There is no specified timescale for completion of a Debt Payment Programme, as each case is unique and depends on your financial situation. There is flexibility built into the scheme if your circumstances alter, however.

What are the advantages of a Debt Arrangement Scheme?

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You have more time to pay off your debts Interest and fees are frozen once a Debt Payment Programme has been agreed Your creditors are not able to take any further legal action Debts are consolidated into a single payment that you know is affordable because your financial situation has already been reviewed by a professional money advisor Escalating debts are halted, providing some relief from stress You can avoid full insolvency as you will still be paying your debts in full

What happens if I do not adhere to the Debt Payment Programme?

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If you fail to make the required payments, the Debt Payment Programme may be revoked, leaving you exposed to the legal action of creditors who may backdate interest charges and fees.

Which debts can be included in a Debt Payment Programme?

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The Debt Arrangement Scheme caters for unsecured debt in the main, including: Overdrafts Personal loans Payday loans Credit cards An amendment to the Debt Arrangement Scheme (Scotland) Regulations 2011 now means that mortgage arrears may be included in a Debt Payment Programme.

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Our Insolvency Practitioners are regulated by ICAS or the IPA and our firm is authorised and regulated by the Financial Conduct Authority

We have FCA authorisation for advice relating to Debt Arrangement Schemes and we are regulated by the ICAS and IPA when giving advice as an insolvency practitioner leading to our appointment in formal insolvency proceedings

 

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