could you qualify for a…
Debt Relief Order
Debt freedom in 12 months without making any payments.
Am I eligible for a DRO
Why A Debt Relief Order?
No More Repayments
No need to make further payment towards your debts.
Debt Free in 12 months
100% Of Debt Written Off – guaranteed.
Creditors can't chase you for payment.
Understand Your Options Today
Learn your best path to debt freedom.
What is a DRO?
A DRO is a formal debt solution setup by making an application through an approved intermediary.
It is intended for people on low-income and little assets who would otherwise struggle to pay the fees to go bankrupt.
If you owe under £20,000, are not a homeowner and can't afford £50 per month towards your debts - you may qualify for a DRO.
How A DRO Works
A DRO adviser will assess your income, debts and assets.
You must owe under £20,000 and have assets worth no more then £1,000 to apply for a DRO. Certain debts and assets don’t count towards this limit, so check before deciding on the best solution for you.
Your DRO advisor will help with your application and you'll need to pay a fee of £90 before submission to the Insolvency Service.
If accepted, you begin the 12 month DRO period. During this time you don't need to make any payments. The creditors cannot take any action against you.
At the end of the DRO period - all debts included in the DRO are written off.
Available in England and Wales only.
Debt You Can Include
Most debts can be included in a DRO
Unsecured Personal Loans
Payday and Doorstep Loans
Council Tax Arrears
Gas, electric & water arrears
1-2-3 Steps to getting out of debt
We'll handle your enquiry with care and sensitivity
1 - Get an answer online
Fill in your details and we’ll let you know which solutions you may qualify for.
2 - Speak to us
An member of our team will call you to talk through your options and what to do next.
3 -Start to take control
We can get you on the right solution without delay, so you can start taking control.
Important to Know
While there are many benefits to a DRO, there are also important considerations you must take into account.
Your DRO will be recorded on your credit report, impacting your ability to obtain credit in the medium to long term.
Like all adverse information, this will remain for 6 years.
During the DRO period – you must not attempt to borrow more than £500 without telling the lender about your DRO.
If your circumstances change during the DRO period, you have a legal obligation to inform the Insolvency Service.
If you no longer meet the criteria for a DRO, it can be cancelled and you’ll have to deal with your debts in another way.
You will remain liable for the debts in full until the DRO successfully completes.
Your DRO will be recorded in the publicly view-able Insolvency Register. It’s removed 3 months after the DRO ends.
Owning your own home rules out the possibility of a DRO – bankruptcy may be suitable instead.
This applies also for joint ownership and properties with a mortgage; even with negative equity.
You must follow rules called Restrictions if you get a DRO.
This means you are not allowed to
- Borrow more than £500 without telling the lender about your DRO
- Act as the director of a company
- Create, manage or promote a company without the court’s permission
- Manage a business without telling those you do business with about your DRO
- If you want to open a bank account, you may also have to tell the bank or building society about your DRO.
The DRO restrictions usually last 12 months. They can be extended if careless or dishonest behaviour caused your debt problem. For example, you lied to get credit.
Debts that can go into a DRO are called qualifying debts. They include:
- Credit cards, overdrafts and loans.
- Arrears with rent, utility bills, telephone bills, council tax and income tax.
- Benefits over-payments.
- Hire purchase or conditional sale agreements.
- Buy now – pay later agreements.
- Business debts.
Debts that can’t go in a DRO include:
- Any debts obtained by fraud.
- Magistrates court fines and confiscation orders.
- Child support and maintenance
- Student loans
- Social fund loans
- Compensation for death and injury.
- These debts don’t count towards the limit.
If you’re unsure whether a debt would be covered by a DRO, contact us.