📄 File: das.php

Path: /home2/outerorb/debtclearplans.co.uk/das.php

Size: 10.42 KB

Permissions: 0666

<?php
$page_title = "Debt Arrangement Scheme (DAS) Scotland - DebtClearPlans";
$page_description = "Understand Scotland's Debt Arrangement Scheme (DAS): eligibility, Debt Payment Programme process, pros and cons, and comparisons with Trust Deed.";
include "includes/header.php";
?>

<div class="inner-pages-section-area" style="background-image: url(assets/img/all-images/bg/hero-bg1.png); background-position: center; background-repeat: no-repeat; background-size: cover;">
	<div class="container">
		<div class="row">
			<div class="col-lg-12 m-auto">
				<div class="inner-header text-center">
					<h1>Debt Arrangement Scheme (DAS)</h1>
					<div class="space16"></div>
					<p style="font-size:18px;color:#3c4f54;max-width:700px;margin:0 auto;">A Scottish debt solution that lets you repay debt in full over time through one affordable monthly payment, with legal protections once approved.</p>
					<div class="space24"></div>
					<a href="index.php">Home <i class="fa-solid fa-angle-right"></i> <span>DAS</span></a>
				</div>
			</div>
		</div>
	</div>
</div>

<div class="faq-inner-section-area sp1">
	<div class="container">
		<div class="row">
			<div class="col-lg-8 m-auto">
				<h2 class="text-anime-style-3" style="color:var(--ztc-text-text-5);font-size:32px;line-height:42px;margin-bottom:16px;">What is DAS?</h2>
				<p>The <strong>Debt Arrangement Scheme (DAS)</strong> is a Scottish government-backed debt management framework. It allows eligible people to enter a <strong>Debt Payment Programme (DPP)</strong>, paying unsecured debts in full at an affordable rate over time.</p>
				<div class="space16"></div>
				<p>Unlike a Trust Deed, DAS is generally a full repayment solution rather than debt write-off. Once approved, creditors included in the programme must follow the DAS rules.</p>
			</div>
		</div>

		<div class="space40"></div>

		<div class="row">
			<div class="col-lg-8 m-auto">
				<h2 style="color:var(--ztc-text-text-5);font-size:28px;line-height:38px;margin-bottom:16px;">How DAS works</h2>
			</div>
		</div>
		<div class="row">
			<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea"><div class="icons"><i class="fa-solid fa-calculator"></i></div><div class="space16"></div><h3 style="font-size:17px;margin-bottom:8px;">1. Budget assessment</h3><p>An approved money adviser calculates what you can afford after essential living costs.</p></div></div></div>
			<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea"><div class="icons"><i class="fa-solid fa-file-circle-plus"></i></div><div class="space16"></div><h3 style="font-size:17px;margin-bottom:8px;">2. DPP proposal</h3><p>Your adviser proposes a Debt Payment Programme to repay unsecured creditors over time.</p></div></div></div>
			<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea"><div class="icons"><i class="fa-solid fa-user-check"></i></div><div class="space16"></div><h3 style="font-size:17px;margin-bottom:8px;">3. DAS approval</h3><p>If approved through the DAS process, legal protections and repayment terms begin.</p></div></div></div>
			<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea"><div class="icons"><i class="fa-solid fa-money-bill-transfer"></i></div><div class="space16"></div><h3 style="font-size:17px;margin-bottom:8px;">4. One monthly payment</h3><p>You make one regular payment which is distributed to creditors in line with the DPP.</p></div></div></div>
			<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea"><div class="icons"><i class="fa-solid fa-ban"></i></div><div class="space16"></div><h3 style="font-size:17px;margin-bottom:8px;">5. Legal protections</h3><p>Interest and charges are usually frozen, and most creditor enforcement is paused.</p></div></div></div>
			<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea"><div class="icons"><i class="fa-solid fa-flag-checkered"></i></div><div class="space16"></div><h3 style="font-size:17px;margin-bottom:8px;">6. Debt repaid in full</h3><p>When all payments are complete under the DPP, included debts are settled.</p></div></div></div>
		</div>

		<div class="space40"></div>

		<div class="row">
			<div class="col-lg-8 m-auto">
				<h2 style="color:var(--ztc-text-text-5);font-size:28px;line-height:38px;margin-bottom:24px;">DAS advantages and disadvantages</h2>
			</div>
			<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea" style="border-top:3px solid var(--ztc-bg-bg-3);"><h3 style="font-size:18px;margin-bottom:16px;color:var(--ztc-text-text-2);"><i class="fa-solid fa-thumbs-up" style="margin-right:8px;"></i>Potential benefits</h3><ul style="list-style:none;padding:0;"><li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>One affordable monthly payment</li><li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>Interest and charges usually frozen</li><li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>Legal protections once approved</li><li style="padding:8px 0;font-size:15px;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>No public insolvency route like bankruptcy</li></ul></div></div></div>
			<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea" style="border-top:3px solid #e07070;"><h3 style="font-size:18px;margin-bottom:16px;color:#a04040;"><i class="fa-solid fa-triangle-exclamation" style="margin-right:8px;"></i>Things to consider</h3><ul style="list-style:none;padding:0;"><li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>You normally repay debt in full</li><li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>Programme length can be long</li><li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>Credit file may be affected</li><li style="padding:8px 0;font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>Missed payments can risk DPP failure</li></ul></div></div></div>
		</div>

		<div class="space40"></div>

		<div class="row">
			<div class="col-lg-8 m-auto">
				<h2 style="color:var(--ztc-text-text-5);font-size:28px;line-height:38px;margin-bottom:24px;">DAS FAQs</h2>
				<div class="accordion" id="dasFaqAccordion">
					<div class="accordion-item"><h2 class="accordion-header"><button class="accordion-button" type="button" data-bs-toggle="collapse" data-bs-target="#dasFaq1" aria-expanded="true" aria-controls="dasFaq1">Is DAS only available in Scotland?</button></h2><div id="dasFaq1" class="accordion-collapse collapse show" data-bs-parent="#dasFaqAccordion"><div class="accordion-body"><p>Yes. DAS is a Scotland-specific debt scheme. Residents in other UK regions have different debt solution frameworks.</p></div></div></div><div class="space16"></div>
					<div class="accordion-item"><h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#dasFaq2" aria-expanded="false" aria-controls="dasFaq2">Does DAS write off debt?</button></h2><div id="dasFaq2" class="accordion-collapse collapse" data-bs-parent="#dasFaqAccordion"><div class="accordion-body"><p>DAS is usually a full repayment plan. It is designed to repay qualifying debts in full over time.</p></div></div></div><div class="space16"></div>
					<div class="accordion-item"><h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#dasFaq3" aria-expanded="false" aria-controls="dasFaq3">Can creditors still add interest in DAS?</button></h2><div id="dasFaq3" class="accordion-collapse collapse" data-bs-parent="#dasFaqAccordion"><div class="accordion-body"><p>Interest and charges on included debts are generally frozen once the DPP is approved.</p></div></div></div><div class="space16"></div>
					<div class="accordion-item"><h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#dasFaq4" aria-expanded="false" aria-controls="dasFaq4">How is DAS different from a Trust Deed?</button></h2><div id="dasFaq4" class="accordion-collapse collapse" data-bs-parent="#dasFaqAccordion"><div class="accordion-body"><p>DAS typically repays debt in full, while a Trust Deed may write off remaining qualifying debt after completion.</p></div></div></div>
				</div>
			</div>
		</div>

		<div class="space40"></div>

		<div class="row">
			<div class="col-lg-8 m-auto">
				<div style="background:linear-gradient(135deg,#f4faf8 0%,#eef6f5 100%);border-radius:16px;padding:32px 36px;border:1px solid rgba(21,63,70,0.1);">
					<h3 style="font-size:22px;color:var(--ztc-text-text-5);margin-bottom:12px;">Get help choosing between DAS and other Scottish options</h3>
					<p>DebtClearPlans is an introducer and lead generation service. We connect you with approved Scottish debt advisers who can assess DAS, Trust Deed, and other routes.</p>
					<div class="space20"></div>
					<p style="font-size:14px;color:#51656a;">Your first conversation is free, confidential, and no-obligation.</p>
					<div class="space24"></div>
					<div class="btn-area1">
						<a href="#callback-form-top" class="vl-btn1">Get My Free Callback</a>
						<a href="scotland-debt-help.php" class="vl-btn1 btn2" style="margin-left:16px;">Scotland Debt Help</a>
					</div>
				</div>
			</div>
			</div>
		</div>
	</div>
</div>

<?php include "includes/callback-form.php"; ?>
<?php include "includes/footer.php"; ?>

← Back to Directory Edit File 🔒 Chmod