The Debt Arrangement Scheme (DAS) is a statutory scheme run by the Scottish Government to help debtors to pay multiple debts by giving them more time to pay without hassle or threat of court action from their creditors. DAS freezes interest, fees and charges on their debts from the date the DAS payment programme is approved. These charges, which would have become payable after the date of approval, will be written off if the programme is completed.

The scheme is delivered free by approved money advisers at local authority money advice units or Citizens Advice Scotland. The scheme protects debtors assets, including their home (as long as they keep up their mortgage payments).

The Accountant in Bankruptcy has published a Debt Arrangement Scheme (DAS) Debtor Information booklet containing information relevant to debtors.  This information is available in alternative languages and can be found on the DAS website together with more information on DAS and details of free approved money advisers.