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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?

There are strict qualifying criteria you must meet in order to apply for a debt relief order (DRO).

Debt relief orders are a debt solution suited to people with little income and few assets. 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
  • You live in England, Wales or Northern Ireland
  • 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 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 can investigate your application and reject it if you have:

  • Given away a property or sold it for less than it’s worth in the last two years
  • Favoured any of your creditors by paying one more than others in the last two years

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?

Need debt advice?

Free, online debt advice available now

Get debt help

Considering a DRO? Get free, impartial debt advice

If you do not 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.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2019