If you're worried about debt, the first thing to do is see a money adviser. A money adviser will help you handle your debt problem and suggest the different paths available for dealing with your debt. DAS could be one of those options.
A money adviser is someone who is trained to offer advice on debt management or relief options. They will look at your circumstances with you and help advise you on what your options are on dealing with your debt. They can contact your creditors to negotiating affordable payments or set up repayment plans, usually giving you more time to pay. They can also help you apply for debt relief including trust deeds and bankruptcy.
A money adviser may also be a DAS approved money adviser. A DAS approved money adviser is authorised by the DAS Administrator (A civil servant appointed by the Scottish Ministers) to act on your behalf to propose, and in some cases administer, a debt payment programme (DPP) through DAS. Only a DAS approved money adviser can make an application for approval for a DAS DPP from the DAS Administrator, on your behalf.
A money adviser can give you advice on:
Many money advisers offer free, impartial advice however others may charge for this service. You should check this with your chosen money adviser, prior to entering into any agreement.