Debt Relief Order

A solution to unmanageable debts for people with limited finances

A Debt Relief Order
could help you:

  • Suspend unaffordable debt repayments
  • Write off unmanageable debts after a year
  • All without going to court

Do You Qualify For
a DRO?

Call 0800 970 7673

Fees & Key information

Find out more about the fees involved with each debt solution.

Find out if you qualify for a DRO

Tell us about your situation

Tell us about you

Useful free guides

Download the Insolvency Service guide to dealing with lenders.

Download the information package from Scotland’s Insolvency Service.

DRO callback

Complete this simple form and an adviser will get straight back to you

We will treat your call in the strictest confidence and you will only be asked to supply information required to find the best solution to your debts.

Need debt advice?

Call 0800 970 7673or fill in our simple form to receive a free no obligation call back from a friendly, experienced adviser.

How a Debt Relief Order works

Writes off the debt you can't afford

A Debt Relief Order works by suspending your unmanageable unsecured debts - ensuring you can afford your other living costs - and then writes them off after a year if your circumstances haven't improved enough.

Costs less than bankruptcy

Have you considered bankruptcy, but can't afford the fees (up to £700)? If so, a DRO could help. All it costs is a one-off application fee of £90, which can be paid in instalments if necessary.

No need to attend court

We can help you apply for a Debt Relief Order - there's no need to go to court. Simply call 0800 970 7673 today or fill in the call-back form at the top of this page and our partners will get in touch to let you know whether a DRO is right for you. If it isn't, they'll help you find another way to tackle your debts that better suits your circumstances.

Who qualifies for a DRO?

A Debt Relief Order is only available to people who need it. There are several criteria you must meet to qualify, including:

  • You must have unaffordable unsecured debts of no more than £15,000
  • Your available income (after essential living costs) must not exceed £50 a month
  • The total value of your assets must not exceed £300 (with the exception of a car, which can be worth up to £1,000)
  • You must have lived or conducted business in England, Wales or Northern Ireland in the last three years
  • You must not have been subject to a Debt Relief Order in the last six years
  • You must not be involved in any other insolvency proceedings (such as an IVA).

You will have to meet all the above criteria to qualify. If you don't, there is still help available - just call 0800 970 7673 and talk to our partners. They could help you find the right solution for you.

Things to remember

Although a Debt Relief Order could make a big difference to your finances, it has its disadvantages like any other debt solution.

In particular, there will be a big impact on your credit rating. Records remain on your credit history for six years, and you'll probably find it very difficult to borrow any more money during this time and possibly beyond.

But if you've really been struggling and there really is no other way for you to clear your debts, the benefits should outweigh the drawbacks.