If your unsecured debt monthly repayments have become unaffordable, a DAS could help provide relief. It’s one of the three main potential solutions available to residents in Scotland. If you don’t qualify for a Trust Deed, or if Sequestration would be too disruptive, a DAS could help you repay your debts more easily.

How it works

A DAS is a Scottish government-run debt management tool that allows you to repay your unsecured debts in full but through a lower monthly repayment over a longer period. If our Debt Test indicates you are likely to qualify, you will be assigned to one of our expert Debt Advisers who’ll review your circumstances in more detail. Your Adviser will work out what you can afford to repay each month, bearing in mind your mortgage, car and living expenses, and will identify if a DAS is indeed the best option for you. If it is, and you choose to proceed, your Adviser will formulate your Debt Payment Programme (DPP) and contact your lenders to request that they accept lower payments from you. They will also take care of any phone calls or letters that you get from lenders.

If your lenders agree to your proposal, your DAS will start and all you have to do is keep on making your single lower monthly payments. You won’t have to worry about distributing money to each lender – your Adviser will do that for you. And as long as you keep up with your payments, your lenders won’t be able to take you to court and all interest and charges on your unsecured debts are guaranteed to remain frozen (unlike with a Debt Management Plan where interests and charges are possibly frozen, but not guaranteed). If your lenders don’t agree to your proposal, your Adviser can appeal to the DAS Administrator (a civil servant appointed by the Government) and in some cases the Administrator could approve your DAS anyway if they think it’s the best way for you to repay what you owe. If this doesn’t work, your Adviser will look at other potential solutions.


  • Makes unsecured debts more manageable (these are things like personal loans, bank overdrafts, payday loans, credit cards)
  • Lower monthly repayments at a level you can afford, over a longer extended period
  • Protection from any legal action imposed by your lenders
  • Interest and charges will be frozen
  • Your home will not be affected (as long as you maintain your mortgage obligations)
  • It’s also possible to change the amount you pay, or allow up to a six month suspension of payments if you suffer a temporary period of reduced income.


  • Secured debts like mortgage and hire purchase repayments can’t be included
  • A DAS will last until the full debt is cleared (unlike a Trust Deed)
  • Your credit rating will be affected.
  • Your name will be placed on the DAS Register, so you won’t be able to borrow any more money while your DAS is running.

Is it for you?

If you’re resident in Scotland and are struggling with your unsecured debts, the advantages of a DAS may be very attractive. However it’s important you receive expert advice and a detailed review of your options before applying for one. Take our simple Debt Test to establish if you’re likely to qualify and connect with one of our a professional Debt Advisers committed to identifying the right solution to helping you out of debt. Your enquiry will be handled professionally and in confidence.