Debt Arrangement Scheme Scotland

Take control back of your finances and look forward to a brighter future.


Trust Deed Scotland

A Trust Deed is available to people who’ve been living in Scotland for more than 6 months, who have unsecured debt of £5,000 or more. Typically a Trust Deed lasts 48 months and after that period, any outstanding unsecured debt is legally written off.


Debt Arrangement Scheme

A DAS Scotland allows you to repay your unsecured debts with affordable monthly payments. The interest on your debts can be frozen, and written off after you have completed an agreed payment plan.


Minimal Asset Process

Minimal Asset Process (MAP) bankruptcy is a way to write off debts you can't afford. It's aimed at residents of Scotland with a low income and few assets, and is more straightforward than sequestration bankruptcy.

Expert DAS Advice. We're here to help you!

Use our free, confidential debt help service to get tailored advice and Scottish debt solutions.

1. Do You Qualify?

Talk to one of our qualified and experienced team members about your current debt situation.

2. Your Options

Find out all alternatives available to you, and discuss the pros and cons of all solutions.

3. DAS Repayment Terms

Together, we work out how much you can afford to repay on your DAS.

4. Become Debt Free

Enjoy peace of mind with a tailored, personalised, affordable plan that can get you to your debt free goal.


DAS Scotland - Frequently Asked Questions

The questions we get asked most about debt arrangement schemes in Scotland.

What is a DPP?

A DPP – Debt Payment Programme – will typically be suitable for you if you have money left over at the end of each month and you can clear your debts in a reasonable amount of time.You can only apply for a DPP if you are a resident in Scotland.

Are there any risks?

f you don’t keep up your payments the DPP could fail, and creditors can add interest charges, or take further action against you.

A DAS Scotland DPP will appear on your credit file for six years. With the exception of interest and charges, debt will not be written off after 48 months, like with a Trust Deed.

How does a DAS Scotland work?

You make an affordable payment into your debt arrangement scheme. This payment is then shared out on a fair basis between your creditors that you owe money to.

The DAS is set up and managed by an approved money advisor in Scotland, and your DAS payments are taken and passed onto your creditors by a payments distributor.

Are there debt arrangement scheme fees?

Typically, 10% of your monthly debt arrangement scheme payment is taken as fees to cover the running costs of the DAS.

In Scotland, DAS is available from both fee-charging and free organisations. Call us on 0141 380 0588 for further information.

How long does my DPP last?

A debt arrangement scheme length depend on how much debt you owe and how much surplus money you have left over each month to pay the debt.

You’ll only be able to set up a DAS in Scotland if you can repay what you owe in a reasonable amount of time which is typically under ten years.

You may also qualify for alternative debt solutions if you live in Scotland such as a Trust Deed, or Sequestration. Try our Debt Repayment Calculator tool to work out which solution is best you you.

DAS Scotland - Are there alternatives?

Yes. Debt Helpline Scotland are leading Scottish debt advisers. We understand every situation is unique.

A Trust Deed Scotland is another popular government created tool that allows an individual to repay unaffordable debt after a typical period of 48 months.

Whether you are a homeowner or not, we will be able to assess your affordability and provide alternative solutions, and all the pros and cons associated with those solutions, including Sequestration, Secured Loans and Minimal Asset Process.

Give us a call on 0141 380 0588 for a free, confidential chat about your debt situation.