Debt Arrangement Scheme (DAS) Scotland
If you're struggling with your monthly repayments, but feel you could repay what you owe given enough time, the Debt Arrangement Scheme lets you do just that. Find out more below.Do I Qualify?
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How could the Debt Arrangement Scheme help you?
The Debt Arrangement Scheme (DAS) is a debt management plan that was introduced by the Scottish government. Instead of juggling multiple repayments to creditors, DAS gives you the ability to deal with all of your debts via one, affordable monthly payment. Interest and charges are frozen from the outset and are written off once the plan is successfully completed. So if you are struggling to keep on top of your debts, but feel you could repay what you owe given enough time, DAS may be an option for you.
Unlike protected trust deeds and bankruptcy, DAS doesn’t affect the things that you own.
When you apply for the Debt Arrangement Scheme through Cleanslate, we will deal with your creditors on your behalf, taking the stress out of the situation. We will be by your side throughout your payment plan. Recognising that your financial circumstances can change over time, DAS can be flexible too
Frequently asked questions
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Protected Trust Deed
If you can’t afford to repay your debts in full, a protected trust deed allows you to repay what you can over an agreed period of time. Once completed, the remaining balance is written off.
Often people think of the word “bankruptcy” as too serious to contemplate. However, for those that need it, bankruptcy can offer a way to get back on track and start again.
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