UK Nations
What is the Debt Arrangement Scheme?
The Debt Arrangement Scheme (DAS) is a statutory Scottish debt payment programme that helps people repay multiple debts under a legally recognised plan with protections from enforcement while they keep to the programme.
Legal rules differ across the UK. Confirm advice for the nation where you live.
Reviewed: 1 March 2026 by Editorial Team
Frequently asked questions
- What is the Debt Arrangement Scheme?
- The Debt Arrangement Scheme (DAS) is a statutory Scottish debt payment programme that helps people repay multiple debts under a legally recognised plan with protections from enforcement while they keep to the programme.
- Does England and Wales guidance apply?
- Not automatically. Use nation-specific advice and official sources for Scotland or Northern Ireland.
- Where can I get free advice?
- Start with MoneyHelper and local advice charities, then specialist advisers licensed for your nation.
- Can The Insolvency Directory advise me personally?
- No. We publish general information and directory listings only.
- How do I find a local practitioner?
- Browse our directory by city or use the matching form to request an introduction.
Primary source: The Insolvency Service (GOV.UK)