The Debt Arrangement Scheme (DAS) is a government-backed debt management tool which allows you to repay what you owe through a debt payment programme. Under a debt payment programme, you repay your debts in one affordable monthly payment over an extended period.


DAS freezes interest, fees and charges on the debt and offers protection from creditors (the people you owe money to), which means they should not contact you or increase your debt during the period of your programme.


To find out more about the Debt Arrangement Scheme, talk to an approved money adviser or check out the DAS Scotland website.