Debt Relief Order (DRO)

With a Debt Relief Order, you could have:

What solutions are available?
£2,000
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Please remember, this is just an information toolWe would always recommend you speak to a debt advisor – they can talk you through your options and help you decide which is the most appropriate way to resolve your debt problems

Help with completely unaffordable debts

If you simply can't afford to repay your unsecured debts, a Debt Relief Order could help by suspending your payments and writing off the debts after a year.

Protection against action from lenders

Once your DRO has been agreed, your lenders can't take any further action against you.

Costs less than bankruptcy

Bankruptcy can cost up to £680 up front. A DRO is a much cheaper alternative for people on a low income - all it costs is a one-off non-refundable £90 application fee.

How a DRO works

A Debt Relief Order is a solution for people who can't afford to repay everything they owe. It works a bit like bankruptcy, but it's only available to people on a low income.

Because it's aimed at people in difficult financial circumstances, it costs much less than bankruptcy - just a £90 application fee, which can be paid in instalments if necessary.

Once your DRO has been agreed, all payments on your unsecured debts will be suspended for a year. You will be protected against any further action from your lenders during this time. If your circumstances haven't improved by the end of the 12 months, your unaffordable unsecured debts will be written off.

Is it right for me?

A Debt Relief Order could be very helpful if you're in difficult financial circumstances, can't afford to repay your debts and can't afford bankruptcy.

It's simple: if your situation doesn't improve in the 12 months after your DRO is issued, the unsecured debt you haven't repaid will be written off.

However, you will only qualify for a DRO if you meet certain criteria. For example:

If you're not sure whether you qualify, call us on 0161 669 8925 and we'll talk you through your options.

Final points

A DRO could give you a much-needed way out of debt, but do keep in mind that your credit rating will be affected in the medium to long term, and borrowing more money could be very difficult in this time.

Your details will also appear on the Individual Insolvency Register for three months after the DRO ends.

Need expert help with your debts? Complete our form to request a callbackRequest a callback
  • 0161 669 8925
  • 0161 669 8925

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We've been helping people get out of debt for almost 20 years. Read more about what we do and the charities we support.

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Fees & key info

Read more about the fees involved with each of the solutions we provide.

Download the Insolvency Service guide to dealing with creditors.

Read here for information about our Complaints Procedure and referring a complaint to the Financial Ombudsman Service.

Subject to eligibility and acceptance. Debt write-off applies to unsecured debts and only on completion of the DRO, alternative solutions may be offered. Fee payable. Your ability to obtain credit will be affected in the short term and may be affected in the medium to long term.
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