Debt Relief Order (DRO)

A Debt Relief Order (DRO) is a way of dealing with your debts if you can’t afford to pay them. It means you don’t have to pay certain kinds of debt for a specified period (usually 12 months).

At the end of the DRO period, the debts included in it will be written off (‘discharged’) and you won’t have to pay them.

If you obtained any of your debts through fraud, you will have to restart paying them when the DRO has ended.

If your circumstances change so that you are able to pay some or all of your debts, your DRO may be revoked so you can arrange to pay your creditors (the people or companies you owe money to).

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Debt Relief Orders (DROs)

To be eligible for a DRO, you must meet these criteria:

  • you owe £30,000 or less
  • you have less than £75 to spend each month, after paying tax, national insurance and normal household expenses
  • you’ve lived or worked in England or Wales in the last 3 years
  • your assets aren’t worth more than £2,000 in total
  • you’ve not had a DRO in the last 6 years

You won’t be eligible if you are involved in bankruptcy proceedings or any other formal insolvency procedure. However, if one of your creditors has asked a court to make you bankrupt, you may ask the creditor for permission to apply for a DRO instead.

Below you can view a list of Frequently Asked Questions

Start planning a future free of unsecured debt

1

Check if you qualify

Simply complete the form to see if you qualify for any of the available debt solutions.

2

Consultation

A friendly & experienced advisor from DSD will contact you to discuss yourc ircumstances.

3

You decide

They will explain all your options, so that you can decide which solution works best for you!

Types Of Debts We Help With

Loans

Store Cards

Payday Loans

Credit Cards

Overdrafts

Council Tax

Catalogues

Utility Bills

Frequently Asked Questions:

A debt relief order (DRO) is an insolvency procedure to deal with unmanageable debt if you owe less than £30,000 and meet other criteria.

Free and impartial money advice is available from the Money Helper, an organisation set up by the Goverment for people in debt.