A new television and advert campaign aimed at highlighting the help available for people struggling with debt, has been launched by the Scottish Government.
The Debt Arrangement Scheme (DAS) is an initiative which helps people to pay back their debts over a reasonable period of time, based on the amount they owe and their current financial position.
DAS stops creditors using debt enforcement action and safeguards people's homes- as long as they keep up mortgage repayments.
Recent changes to the scheme means it also now freezes interest, fees and charges to prevent debts mounting up.
– Fergus Ewing, Enterprise Minister for Scotland
"The Scottish Government continues to take action, where it can, to address these problems and introduce measures to help those people in Scotland who are struggling under the burden of debt.
"The Debt Arrangement Scheme is the only government-backed scheme to help people pay back their debts in a dignified way, protecting them from the threat of action by their creditors.
"Our aim with this campaign is to raise awareness of DAS which helps people faced with the difficulties of debt to take control of their finances and get help out of the hole."