Debt Arrangement Scheme

What is a Debt Arrangement Scheme?

Debt Arrangement Scheme (DAS) is a debt payment programme that allows you to repay your debts in full, free from interest and charges over an extended period of time agreed by the DAS Administrator.


  • Government Debt Repayment

    A Government-supported scheme that allows residents to pay back their debts in full.

  • One Monthly Payment

    We reduce your monthly outgoing payments into one simple payment.

  • No Middle Man

    Interest and charges are frozen. You will no longer negotiate with creditors.

  • No Legal Actions from Creditors

    Creditors will be unable to take legal action.


  • Keep Up With Payments

    If you do not keep up with the payments the scheme will be canceled.

  • long re-payment

    If you are only making a small monthly payment and have a high debt level, it could take several years to clear your debts.

  • re-pay in full

    All your debts are paid in full at the end of the agreed term.

  • negative credit rating

    Your credit rating will be negatively impacted.