I asked for advice on the forum a few year ago which I really appreciated. I continued to make token payments to creditors and apart from making token payments, I've pretty much buried my head in the sand.

I have just under £20k of debt of which more than half is council tax arrears that have built up over a long time, about 10% is owed to HMRC (self assessment late filing fees from several year ago) and the rest is credit debt split between 5 creditors.

All debts are unsecured and other than the summary warrant for the Council Tax I'm not aware of any court action from any creditor although there has been threats of court action lately from 2 creditors.

My assets are:

Car (estimated value £900).
Tools (estimated value £500 to £700).
5 year old laptop and 4 year old printer (value unknown).
Some parts and materials left over from some jobs I've done through self employment (estimated value £150).

I rely on these assets for my self employment.

I have been paying token payments to my creditors but kind of lost my way as I've recently been suffering some health problems and have also had to help with the care of my parents due to their declining health, I'm now experiencing a bit of pressure from three of the creditors and have had one of them turn up at my home.

I have a debt moratorium in place which was granted earlier this month and is in place until January, although I'm not sure how much protection this offers or if it covers all debts with all creditors.

I currently have £180 a month disposable income and feel that rather than just making token payments it would be beneficial to enter into a formal debt plan, somebody suggested that I should consider a DAS, having done a bit of research into a DAS it's something I would like to find more information on. My disposable income is likely to increase later in the year but isn't guaranteed to increase.

An issue I have is that being self employed with an income that varies from month to month and can have issues with proving income but can manage £180 a month without causing myself issues financially.

What are the chances that a DAS would be accepted with a monthly payment of £180 over 10 years?
Can I apply for a DAS while a moratorium is in place or should I wait until the 6 months are up?
There are times where I make a bit extra or receive small lump sums, could I pay these to the DAS to hopefully settle the debts sooner?