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Considering a DRO?

We can help with free, impartial debt advice online now.

Get debt help

i England, Wales and Northern Ireland

Getting a DRO

How do I apply for a debt relief order?

You can get a debt relief order (DRO) through one of the organisations approved by the Insolvency Service.

What is a DRO?
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A debt relief order (DRO) is a debt solution that helps people on a low income. You can only get one through an organisation approved by the Insolvency Service.

A DRO is a type of insolvency suitable for people who:


  • Are on a low income
  • Cannot pay back their debts
  • Are homeowners
  • Have few assets
  • Have unsecured debts of less than £50,000
  • Live in England, Wales or Northern Ireland

Organisations that can submit a debt relief order are called ‘competent authorities’.

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Is a DRO right for you?

We can help with free, impartial debt advice online now.

Get debt help

How much does a DRO cost?

There is no fee to apply for a DRO.

Check if you can claim a DRO fee refund

Did you pay a DRO fee before April 2024 but did not finish your application? You may be due a refund by the Insolvency Service.

The Government removed the £90 application fee for DROs in April 2024. The Insolvency Service are trying to refund people who paid their fee before that date but did not go ahead with a DRO.

Visit the GOV.UK website for more information on how to claim if you think you are owed a refund.

Is a DRO right for me?

Use our online debt advice tool to find out if a DRO is right for you.