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i This solution is only available in England, Wales and Northern Ireland.

Getting a DRO

Do I qualify for a DRO?

Debt relief orders are a debt solution suited to people with little income and few assets. There are strict qualifying criteria you must meet in order to apply for a debt relief order (DRO).

In order to qualify for a DRO, you’ll need to meet the following criteria.

What are the qualifying criteria for a DRO?

  • You must have no more than £50 left over each month after paying your household bills
  • You can’t own a vehicle that’s worth more than £1,000 – though vehicles adapted to help you with a physical disability are exempt from this cap
  • You must not be subject to any current bankruptcy or IVA proceedings or have had a DRO approved in the last six years
  • You can’t be a homeowner
  • Your current qualifying debt balances must not total more than £20,000
  • You can’t own assets worth more than £1,000
  • You must have lived in or run a business in England, Wales or Northern Ireland for the last three years

An official receiver will be assigned to deal with your DRO application. The official receiver will investigate all of your circumstances and can choose to decline a DRO if you've::

  • Given away a property, any money or assets or sold them for less than they're worth in the last two years
  • Favoured any of your creditors by paying one more than others in the last two years

It's very important that you disclose as much information as possible so that the official receiver can make an informed decision. If you apply for a debt relief order (DRO) it’s an offence to mislead the official receiver about your situation.

Is a DRO right for you?

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Considering a DRO? Get free, impartial debt advice

If you don't qualify for a debt relief order, there’ll be other options open to you. Our online debt advice service can give you the free, realistic advice you need to find out which is the best debt solution for your situation.