A DAS (Debt Arrangement Scheme) is a government sanctioned debt solution, that is designed to allow you to pay off you debt over a longer period of time than stated in the original credit agreement. This means that your monthly payments reduce to a more affordable level. So who is eligible?


For starters, a DAS is only available to residents of Scotland. You can find the rest if the criteria below:

  • You must be able to show you have enough surplus income after you have paid your essential living costs.
  • Have more than one debt.
  • You need to seek advice from a DAS approved advisor.
  • You are not taking part in any other debt solution e.g. a Trust Deed.


To find out more, take a look at our Debt Arrangement Scheme page.

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