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a direct payment program or DPP lets you pay your debts in affordable monthly payments that are manageable for you while still leaving you enough money for your household bills and living costs its our legally binding agreement thats only available in Scotland through the debt Arrangement scheme known as Das you must fit certain criteria to qualify and you can only get a DPP through an approved organization such as here at step change to qualify for a DPP you must live in Scotland and have money left over at the end of each month after youve paid your household costs such as food rent or mortgage and utility bills you can only set up a DPP if you compare your debts over a reasonable amount of time but your individual circumstances can be considered and a longer term may be approved so lets look at the benefits of a DPP firstly your creditors wont be allowed to contact you to ask for payments toward any of the debts included in the DPP or take correction against you your debts will
