Why get one?

In DAS, you pay back all of what you owe over a reasonable period of time. You must have income left over after all of your bills are paid to make a regular contribution to your debt.

If approved, all interest, fees and charges are frozen, your home is safe as long as you keep up payments on it and comply with the conditions of your debt payment programme, and you are protected from creditors against taking action.

It also lets you pay your debts over a reasonable length of time at a rate that suits you.