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Debt Arrangement Scheme

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A Debt Arrangement Scheme (DAS) is a formal debt solution available in Scotland that allows you to repay your debts in full over an extended, affordable period, usually up to 10 years, while protecting you from creditor action.
Once approved, your debts are frozen (no more interest or charges), and you make one manageable monthly payment to a Debt Payment Distributor. At the end of the agreed term, any remaining debts that were included may be written off in some cases, but the main benefit is the structured, protected repayment plan that gives you stability and peace of mind.
At RMS Financial, we help people across Scotland understand whether a DAS is the right solution for them and guide them through the entire process with clarity and care.
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What is a Debt Arrangement Scheme (DAS)?

The Debt Arrangement Scheme is a Scottish Government-backed debt solution designed for people who want to repay what they owe but need more time and protection. It is administered by the Accountant in Bankruptcy and is only available to residents of Scotland.
Key features include:
  • All interest and charges on included debts are frozen from the approval date
  • Creditors must stop chasing you and cannot take legal action
  • You make one single monthly payment that is distributed fairly to your creditors
  • The typical length is between 5 and 10 years, depending on your circumstances
  • Provides legal protection throughout the term
It is especially suitable for those with a regular income who can afford some repayment but are struggling with high monthly demands from multiple creditors.

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Who is a DAS suitable for?

A Debt Arrangement Scheme may be right for you if you:
  • Live in Scotland
  • Have multiple debts that are becoming unmanageable
  • Have a steady income and can afford a realistic monthly repayment
  • Want to avoid more severe solutions like bankruptcy or a Trust Deed
  • Prefer to repay your debts in full over time rather than seek a large write-off
Our team will carry out a free assessment to see if a DAS fits your situation or whether another debt solution would be more appropriate.

Key Benefits of a Debt Arrangement Scheme

  • Immediate protection from creditors and legal action
  • Interest and charges frozen on included debts
  • One affordable monthly payment instead of many
  • No need to sell assets or involve your home (in most cases)
  • Structured path to becoming debt-free
  • Professional support throughout the process

What debts can be included in a DAS?

Most unsecured debts can usually be included, such as:
  • Credit cards and store cards
  • Personal loans and payday loans
  • Overdrafts
  • Catalogues and hire purchase agreements
  • Council tax arrears (subject to conditions)
  • Utility bills and other non-priority debts
Some priority debts (like certain tax debts or fines) may have restrictions.

How Does the DAS Process Work?

  1. Initial consultation
    We listen to your situation and review your income and expenses.

  2. Proposal preparation
    We help build a realistic repayment plan and submit your application.

  3. Approval
    Once approved by the Accountant in Bankruptcy, the scheme becomes legally binding.

  4. Monthly payments
    You pay one amount each month, which is distributed to your creditors.

  5. Completion
    At the end of the term, you receive a certificate of completion and a fresh financial start.
We stay with you every step of the way to make the process as smooth as possible.

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Why Trust UK Debt Expert
Practical debt advice

to help you find the best solution

Check your eligibility

for solutions like IVAs, Trust Deeds and more…

Rated 5 Star

We are rated 5 star by more than 93% on Trustpilot

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