Using the Debt Arrangement Scheme
The client can apply for a DPP even if they have mortgage arrears. This is only suitable if they can continue to make their regular mortgage payments, as the programme only covers the arrears, and the client must be able to pay ongoing mortgage costs.
Remember that while this can deal with the arrears, it does not automatically stop the sheriff from granting repossession at the same time. The client’s representative, or the client, must ask the sheriff not to grant repossession while the arrears are being paid. In this case, you could ask for a continuation or sist to buy the client time.