Debt relief order (DRO)

A debt relief order (DRO) is a way to have your debts written off if you have a relatively low level of debt and have few assets. If you qualify, our specialist DRO team can apply to the Insolvency Service for you.

This solution is only available in England, Wales and Northern Ireland.

DRO benefits

  • A DRO can be a low cost alternative to bankruptcy.
  • You don’t pay anything towards your debts for 12 months - and after that they will be written off.
  • Your creditors can't contact you for the 12 month period.
  • Although a DRO is a formal debt solution you don't need to appear in court

Risks

  • A DRO is only available if you owe less than £20,000 and live in England, Wales or Northern Ireland
  • You'll need to pay the Insolvency Service a one-off fee of £90. If you qualify, our specialist DRO team can help you apply.
  • You can't apply for a DRO if you're a homeowner.
  • A DRO will appear on a public register and will affect your credit history for 6 years

Watch: An introduction to DROs

Is a DRO suitable for me?

DROs are specifically designed for people with few assets and a relatively low level of debt.

You may be eligible for a DRO if you live in England, Wales or Northern Ireland, your debt totals less than £20,000, you have less than £1000 in assets (and a car worth no more than £1,000) and have less than £50 left over per month once you’ve paid all of your household costs.

A DRO can be a cheaper alternative to bankruptcy.

 

How does a DRO work?

A DRO freezes your debt repayments and interest for 12 months. If your financial situation hasn’t changed at the end of this period then your debts will be written off.

How much does a DRO cost?

A DRO will cost £90. This is the amount charged by the Insolvency Service to process a DRO application.

You can't get any discounts or exemptions like you can with bankruptcy fees, so the full £90 needs to be paid before your application can be submitted.

The fee can be paid in one lump sum or in instalments over a 6 month period. Once your fee has been paid and your application is submitted you can't get your money back, even if the DRO is rejected or revoked.

Get online debt advice

Use our online tool to get tailored debt advice in around 20 minutes.

Get debt help

Why choose us?
  • Our help is FREE

We won’t charge you a penny for the help and support we provide while you apply for a DRO.

  • Specialist advisors

Our specialist advisors are experts in DROs and will be able to answer any questions you have.

What next? How to apply for a DRO
  1. The first step is to see if you qualify for a DRO, and if it’s your best option.
  2. If a DRO is the best solution to your debt problem, we'll send you the necessary forms and help you apply. You'll need to complete these and return them to our specialist DRO team.
  3. Our DRO team will then prepare your application. Before they submit this there is a £90 fee that must be paid to the Insolvency Service, in full or in instalments. Once the fee has been completely paid, we can submit your application.

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