Debt Free Advice

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Although it may seem like your outstanding debts are far beyond your means, there are many options available to Debt Free Advice which can help you avoid sequestration if you are a resident in Scotland. While the overall balance of an account may seem daunting, the biggest problem our customers often face is organising so many spiralling monthly payments whilst balancing other priority spending. On completion of our Free Debt Review, our fully trained debt advice experts will be able to give you a better understanding of your personal circumstances which in turn will help us to advise you on the most suitable route to take.

What Is a Debt Arrangement Scheme?

One such option exclusive to Scottish residents is a Debt Arrangement Scheme (DAS) which is a great way to reduce your bills into one affordable monthly payment whilst protecting your assets and avoiding further legal action. Although none of the debt will be written off, the payments remain flexible if your circumstances change, giving you an element of flexibility when it comes to keeping everything affordable.

If DAS is accepted by creditors, interest and further charges will be frozen in order to help you get back on your feet, giving you a realistic chance of being able to tackle the overall amount. Although a DAS is a less serious measure to take than bankruptcy, it is still put in place by the courts which means that you must maintain your payments. Failure to do so will see the frozen charges reapplied to your account, however your dedicated adviser will always be on hand to ensure that these regular payments remain affordable for you.

Can a Debt Arrangement Scheme Benefit Me?
As well as helping you to manage the financial side of paying off your outstanding balances, a Debt Arrangement Scheme will ensure that, as long as you maintain your regular monthly payment, creditors will stop hassling you with intimidating letters and stressful phone calls. It’s amazing how much this contributes to the overall stress that comes with overwhelming debt and many of our customers feel that this action alone plays a huge part in relieving their daily anxieties.

Advantages Disadvantages
  • All debts are reduced into one affordable monthly payment to bring stability back to your life
  • Interest rates and further charges are frozen by creditors to facilitate easier money management
  • A DAS can help you to avoid legal action as a result of your outstanding debts
  • The arrangement can be adjusted throughout the term should your circumstances change
  • Assets are protected for as long as the agreed payments are maintained
  • All creditor contact and further collection communications are dealt with on your behalf
  • As with any debt solution, your credit rating will be negatively affected
  • In pursuit of full and final settlement, none of your outstanding debt will be written off
  • Further applications for credit are likely to be severely affected by a DAS
  • The reduced monthly payments will result in the debt taking longer to clear than originally agreed with your creditor
  • Account management fees may apply for this service

On the surface, a Debt Arrangement Scheme may seem similar to a Debt Management Plan, however there are a number of fundamental differences which your professional debt consultant will discuss with you following your Free Debt Review. So what are you waiting for? Get in touch today to arrange your initial consultant and help us to help you free yourself from debt!



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HM Revenue
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When people are struggling with debt it's more important then ever that they have access to effective advice. We work with partners to make debt advice easier and quicker to access, and to improve standards and quality across the sector.

Visit the Money Advice Service website for further info >>

Free No Obligation Debt Reviews
Debt Management Plans
Individual Voluntary Arrangements
Trust Deeds/Sequestration
Bankruptcy Service
Debt Solutions for Scottish Clients
Repossesion/Eviction Advice
Self-Help Budgeting Advice


Call Us: 0800 781 7615

IMPORTANT INFORMATION: Debt solutions subject to conditions and acceptance. Your ability to obtain credit will be affected in the short term and may also be affected in the medium to long term. Paying a lower amount each month may increase the time taken to repay the debt. The total amount our client's repay towards their debts may increase on certain debt solutions. If you enter into an individual voluntary arrangement (IVA), a debt relief order (DRO), a protected trust deed or becoming bankrupt the details will be recorded in the Insolvency Register.

* The free debt review consists of a detailed telephone interview with one of our Personal Finance Advisors who are experts in giving debt and money advice, and are regulated by the Financial Conduct Authority (FCA). This is completely free of charge, with no obligation, and you will be given a detailed breakdown of what your options are. If you chose to take one of the solutions offered to you by one of our chosen partners, there may be fees included. However you will be made aware of those before you contract in to any agreement, and you will be given plenty of time to think about what you want to do before making a decision. At no stage are you under any obligation and you are always protected by your consumer rights.
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