The DAS is a debt management solution in Scotland that allows you to repay your debts in affordable monthly instalments over an agreed period, while being protected from legal action by creditors. Interest, fees, and charges are frozen, and after completing the arrangement, any remaining debt may be written off.

The length of a DAS depends on how much you owe and the amount you can afford to pay. It typically lasts up to 10 years, but you can pay off your debts faster if your financial situation improves.

What happens if I miss a payment in a DAS? Missing a payment could lead to your DAS being revoked, and creditors may take legal action to recover the debt. It’s important to inform your DAS administrator if you face financial difficulties to avoid this.

Yes, self-employed individuals can apply for a DAS. The DAS will assess your income and business expenses to determine an affordable monthly payment.