Free, confidential, no-obligation — a two-minute, illustrative look at what you could afford, what stays protected, and roughly what freezing interest could save you.
Work out my options ↓Step 1 of 4 — Your assets (optional)
You don't need to sell your home, car, savings or pension to qualify for a Debt Arrangement Scheme — provided any secured borrowing, like a mortgage, keeps being paid in full. Tell us what applies to you below; it's for context only and won't change the figures further on.
Optional, for information only — this doesn't feed into the numbers below, but it's useful context if you go on to speak to an adviser.
Take-home pay and any other regular income, per month.
Secured payments like a mortgage aren't touched by a DAS — they're separate from the debt you're restructuring.
Non-priority debt only — credit cards, loans, overdrafts (not the mortgage or secured payments above).
Defaulted to the UK average credit card rate (24.66%, Dec 2025, via Bank of England-linked data) — drag to match your own if you know it.
Your figures stay in your browser. Nothing is saved or sent to us unless you choose to get in touch.
Once approved, interest and charges stop building on qualifying unsecured debt.
A single monthly payment set around what you can actually afford — not what creditors demand.
Statutory protection from further creditor action once your DAS is in place.
No requirement to sell your home or other assets to qualify — secured debts simply continue as normal.