This is a debt relief solution available only in Scotland. It allows you to apply for a debt repayment program (DPP) that helps pay off debts by making affordable monthly payments. This is a legal solution that can only be carried out by an approved organisation, such as StepChange Debt Charity. The duration of the DPP depends on the amount of your debt and the so-called financial surplus each month to pay off the debt. DPP can only be carried out if you are able to pay back what you owe within a reasonable time, which is usually less than ten years. The repayment plan ends when you make all payments and the debts are settled, or if you pay off the debt with a lump sum.
You can include non-priority debts:
You cannot include priority debts: