Debt Arrangement Scheme

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    Do I Qualify?

    Use our debt calculator to work out the monthly payments you could be making to help clear your debt.

    By submitting your details, you consent to a member of the Don't Fret About Debt team contacting you to discuss your details and using your data as per the terms in our privacy policy. We won't share your information with any third party organisations outwith our group.


    The Debt Arrangement Scheme (DAS) is a formal debt management solution available for residents living in Scotland. DAS allows you to freeze interest and charges, which are then written off when the DAS is successfully completed.

    It is an alternative to insolvency solutions like trust deeds and bankruptcy and protects your assets.

    You are ineligible for a DAS if you:

    • have granted a Protected Trust Deed from which you have not been discharged or;
    • are bankrupt or subject to a Bankruptcy Restrictions Order or a Bankruptcy Restriction Undertaking or;
    • are subject to a time to pay direction or time order;
    • are paying a debt(s) under a conjoined arrestment order.


    You are protected from any creditor action.

    Interest on your debt is frozen.

    Your assets (like your home or your car) are protected.

    You make only one monthly payment, via an approved payment distributor, who then pays each of your creditors.


    Your credit rating may be affected for the duration of your DPP.

    You will be unable to obtain credit or use an overdraft while you are in a debt payment plan.



    The Debt Arrangement Scheme is a Government backed debt repayment programme. It freezes interest and charges on your debts and prevents creditors from taking any recovery action against you while you remain in the plan. As you are repaying your debts back in full, it also protects your assets. This includes your home and any equity you have.

    Don’t Fret About Debt offer all statutory debt relief and repayment options, including the Debt Arrangement Scheme. We can advise you on the scheme and discuss if it is the best option for you. We can act as your approved money advisor for the duration of the DPP. Everything from the initial call through to the last letter at the end of plan is through one contact.

    You can also get advice on the Debt Arrangement Scheme online at

    As you will no longer be making your regular contractual payments to your debts your creditors will, by law, issue you with a default notice and this will be placed on your credit file which will affect your credit rating.

    Your details will also be entered onto the DAS register which is regularly searched by credit reference agencies and creditors who may update your credit file to reflect this.

    You are eligible if you:

    • Are habitually a resident in Scotland
    • Want to repay your debts
    • Have a reasonable level of disposable income after your regular monthly financial commitments have been paid (rent, council tax, travel, food and so on)

    Once your DPP is approved, you are protected from any legal action to recover the debts included in the plan as long as you make your payments. If you fail to make two or more payments then your DPP may be revoked. If this happens, your creditors can pursue you again which may include legal action.

    Once your Debt Payment Programme is approved, any interest and charges added after this date will be written off.

    If you decide to proceed with a DAS, we will work out how much you can afford to pay towards your debts each month. This is called your disposable income.

    We will write to your creditors with your proposal to repay your debts. They have 21 days to accept or reject it. Once approved, you pay your agreed payment to the payment distributor monthly and they pay it to your creditors on a pro rata basis.

    This means that each month all of your creditors will receive a payment, however how much they each receive is based on their percentage of the total debt.

    All interest, fees, penalties and other charges are frozen provided that the application is approved.

    Your debts are repaid in full via the Debt Arrangement Scheme. To work out how long it will take, you divide your total debt amount by your disposable monthly income. 

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