Unsecured debts
Credit cards, personal loans, overdrafts, store cards, catalogue debts and buy-now-pay-later debts at collections stage.
Utility arrears and old mobile phone debts.
Historic council tax arrears (current-year council tax stays outside).
HMRC debts of all types (Self Assessment, VAT, PAYE, tax credit overpayments).
Rent arrears from previous properties.
Debts usually kept out
Current-year council tax (ongoing liability).
Ongoing utility usage (bills for current period).
Ongoing rent.
Court fines (some may be included; some cannot).
Child maintenance arrears (specialist framework).
Secured debts
Mortgages, secured loans, car finance and logbook loans sit outside DAS. The lender retains its security.
If a secured debt has an unsecured shortfall (car finance voluntarily terminated where the vehicle is worth less than owed), the shortfall can then be included.