The debt arrangement scheme (DAS) may typically be suitable for you if you have money left over at the end of each month (after you've paid your normal outgoings such as food shopping, rent/mortgage and utility bills) and you can clear your debts in a reasonable amount of time.
The easiest way to find out whether the debt arrangement scheme may be a suitable option for you is to get in touch with our debt advice team.
You can only apply for DAS if you live in Scotland.