By Rob Aberdein 

DAS is a Scottish Government-backed debt management scheme, introduced on 30 November 2004, which allows you to repay your debts through a Debt Payment Programme (DPP).

The programme allows people to pay off their debts over an extended period of time, while giving them protection from the creditors who may be taking action against them to recover the debt.

It can last for any reasonable length of time and, if approved, will freeze all interest, fees and charges on the debt included, resulting in them being waived if the programme is fully completed.