What is the Debt Arrangement Scheme?

The Debt Arrangement Scheme is a non-insolvency debt solution product which involves the repayment of largely all of your debt.

It freezes charges and interest on your debts to allow you to repay the debt back in a more manageable way over a period of time.


Like Trust Deeds and Sequestration, the amount you would pay to a Debt Payment Program through the Debt Arrangement Scheme will be based on what is reasonable and affordable.

A debt arrangement scheme will be in force until you repay all of your debt, or if you default. Unlike Trust Deeds and Sequestration it does not involve any degree of debt forgiveness or write-off and you will remain in the program until your debts have been paid; so long as it remains affordable.

There are many benefits to the Debt Arrangement Scheme and we can explore this with you if you would like any further information.

See our FAQ pages for more information on Debt Arrangement Scheme
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