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The Debt Arrangement Scheme - is it only for the chosen few?

The Debt Arrangement Scheme - is it only for the chosen few?. Christine Sinclair Dumfries & Galloway Citizens Advice Service. Client Cases. Case 1 58 year old married woman Catalogue debts totalling £8K Benefit Income only Living in rented accommodation with no assets Case 2

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The Debt Arrangement Scheme - is it only for the chosen few?

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  1. The Debt Arrangement Scheme - is it only for the chosen few? Christine Sinclair Dumfries & Galloway Citizens Advice Service

  2. Client Cases Case 1 • 58 year old married woman • Catalogue debts totalling £8K • Benefit Income only • Living in rented accommodation with no assets Case 2 • 39 year old self employed man • Debts totalling £33K including income tax of £13K • Homeowner

  3. Client Cases Case 3 • Couple both working full time • Debts totalling £117K • Living with parents Case 4 • 44 year old married woman • Debts totalling £40K, mainly from a failed business • Homeowner with equity in property

  4. What do you think? • Is DAS only for the chosen few? • If it is, why can’t people access DAS? • What could be done to improve DAS?

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