It works by using a Debt Payment Programme
through which debtors make a set and affordable monthly payment, paid back over an extended period.
"The adviser can negotiate with creditors or help clients apply for a Debt Payment Programme
or bankruptcy if this is their best option.
If eligible for DAS, then a Debt Payment Programme
(DPP) will be set up.
The debt payment programme
was flexible enough for Sharon to take maternity leave for six months, allowing the couple to get back on their feet and back to work after their daughter was born.
"The tears of real anguish the mother had been crying when she came in had genuinely turned to tears of joy when they realised we could help them set up a Debt Payment Programme
under the Debt Arrangement Scheme, which was going to give them the legal protection they needed while they got back on their feet."
It is designed to help individuals and couples repay their debt through a debt payment programme
over an extended period of time.
More and more people are turning to a Debt Payment Programme
(DPP) under the DAS to pay back mounting debts.
THE Debt Arrangement Scheme is the only Scottish Government-backed debt management initiative that allows someone to repay his or her debts through a Debt Payment Programme
There were 638 Debt Payment Programmes
approved under the Debt Arrangement Scheme (DAS) compared with 662 in the same quarter of the previous year.
There were signs that people struggling with debt in Scotland are seeking to regain control of their finances, with a 4 four per cent increase in the number of debt payment programmes
approved under the Debt Arrangement Scheme (DAS) .