3. The Debt Arrangement Scheme

The Debt Arrangement Scheme (DAS) allows someone in debt to repay their debts in full through a Debt Payment Programme (DPP). Payments are made over an extended period based on what they can afford. Creditors can still take court action against the client during DAS but not enforce it through diligence. It is the only statutory debt management plan in the UK. It is not insolvency.