I can't afford the DRO fee. Is any help available?
In some cases, you can apply to have the fee paid by a charity or trust fund, but it’s not guaranteed that you’ll qualify. Should you be recommended a DRO, we can talk through the process of applying for help with your DRO fee.
What happens after I've submitted the application?
If your debt relief order application is approved by the Insolvency Service your debts will be put on hold for 12 months. This is called the ‘moratorium’. At this point you'll stop making any repayments to your debts, and creditors must stop chasing you for the debt.
Your creditors can continue to add interest and charges during this period but it has no effect on you unless your DRO is cancelled (revoked) during the 12 months.
If after a year your circumstances haven’t improved, the debts listed in your DRO application will be written off.