Can I make a Debt Arrangement Scheme (DAS) Application? | Debt Advice Foundation

Can I make a Debt Arrangement Scheme (DAS) Application?


The Debt Arrangement Scheme (DAS) is a Scottish Government run debt management programme that was designed to help as many people as possible to repay their debts.

To be eligible for DAS, you must:

  • be resident in Scotland
  • been assessed by a DAS approved money adviser
  • have a ‘reasonable’ level of disposable income after essential living costs have been accounted for

However, you would not be eligible if:

  • you are in a Protected Trust Deed
  • you are an undischarged bankrupt or subject to a bankruptcy restrictions order
  • your DAS application only includes one debt and you are subject to a time to pay direction under section 1 (time to pay directions) or section 5 (time to pay orders) of the Debtors (Scotland) Act 1987, in relation to that debt
  • your DAS application only includes one debt and is subject to a time order under section 129 (time orders) of the Consumer Credit Act 1974 (d), in relation to that debt
  • you are paying a debt(s) under a conjoined arrestment order

Couples can apply for a joint Debt Payment Plan (DPP) if they each have one or more qualifying debts and fall into one of the following categories:

  • husband and wife or living together as husband and wife
  • civil partners
  • living together in a relationship with the characteristics of a husband and wife relationship, except that they are of the same sex

More information about DAS programme eligibility can be found at Debt Arrangement Scheme – Who can apply for DAS?

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