DAS is a Scottish Government-run debt management tool which allows someone to repay their debts through a debt payment programme (DPP).

This is not bankruptcy, It is a scheme that allows a debtor/business to pay off their debts over an extended period of time while giving them protection from their creditors taking action against them to recover the debt in the DPP. The DPP can last for any reasonable length of time (five year max for businesses) and, if approved, will freeze all interest, fees and charges on the debt included, resulting in them being written off if the debtor or business fully completes the DPP.

What is debt?

How does DAS work?

Who can apply for DAS?

How much does DAS cost?

Deal with debt options?






Worried About Debt?

If you are struggling with your debt, DAS could be right for you.




DAS can help you recover 90% or more of the money owed to you.



Money Advisers

Find out everything you need to know about working with DAS.