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Only certain types of debts, called qualifying debts, can be included in a debt relief order (DRO). These qualifying debts must not be more than £30,000 in value if you live in England or Wales, or £20,000 if you live in Northern Ireland.
All of your debts need to be declared when you apply for a debt relief order (DRO).
If you forget a debt, you can’t add it after the DRO has started. You’ll have to pay it yourself, and in some cases your DRO might be revoked if the debt you forgot took your total debt over the permitted limit.
The following types of debt will be written off 12 months after your DRO is approved, if your situation hasn’t improved:
During the 12 months of your DRO, known as the moratorium period, you won’t make any payments to the debts included.
Some types of debt won’t be written off by a DRO and you have to keep paying them.
The following ‘excluded’ debts don’t count towards the permitted limit:
Fraudulent debts are treated differently. They won’t be written off at the end of the DRO, but they do count towards the maximum debt limit.
Loans from friends or family must be included in a DRO, just like other debts.
This means the person who lent you the money can’t take any action to collect it from you, and you can’t make payments to them after the DRO starts.
If they’re happy to treat the loan as a gift, you can go ahead with the DRO. Alternatively, for small sums, you may be able to come to an agreement to pay it off in kind – for example, instead of paying them back in cash could you do some chores like gardening or babysitting for them instead.
If you owe money to a friend or family, don’t be tempted to pay it off quickly before your DRO starts. This could be seen as showing them preferential treatment, and your DRO could be refused as a result.
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Hire purchase or conditional sale items are not legally yours until you pay for them in full. If you’re starting a DRO, you may have to return the item, or transfer ownership to someone else who can make the payments for you.
In some cases you may be able to continue paying a hire purchase agreement and keep the goods. This will only be possible if:
If you’re considering a debt relief order, we can help you through the whole process.
Use our free, online debt advice tool and we'll recommend the best solution for your situation. Alternatively you can ring our debt advisors (free from all landlines and mobiles).