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Debt Relief Order DRO

Debt freedom in 12 months without making any payments.

Am I eligible for a DRO

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Benefits Of A Formal Solution

Affordable Repayments

No more unaffordable repayments towards your debts.

Debt Write Off

Unaffordable debts could be written off.

Legal Protection

Creditors can't chase you for payment.

Control

Take back control of your finances.

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.

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Debt You Can Include

Most debts can be included in a solution; some debts cannot such as student loans, criminal fines and debts incurred through fraud


Credit Cards


Unsecured Personal Loans


Payday and Doorstep Loans


Overdrafts


CCJ Debts


Catalogue Debts


Council Tax Arrears


Gas, electric & water arrears

Some debts cannot be included in a DRO, such as court fines, child maintenance arrears and student loans. If during the DRO period your cease to met criteria - your DRO may be cancelled.

View Important Considerations
A DRO is a form on insolvency which brings with it some consequences to be taken into account before applying for or Debt Relief Order.