A Debt Settlement Arrangement (DSA) is an insolvency solution for people who have unsecured debts - credit cards, loans, overdrafts. For mortgage-related debt please see Personal Insolvency Arrangement.

A Debt Settlement Arrangement is a formal agreement with creditors that allows for some write off of debt. With this solution a person agrees to pay a percentage of their overall debt over a specified period of time. At the end of that period of time they will be solvent.