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You can get a debt relief order (DRO) through one of the organisations approved by the Insolvency Service.
A debt relief order is a type of insolvency suitable for people on a low income, who are unable to pay back their debts. You can’t be a homeowner and you must have few assets to qualify. You must also have unsecured debts of less than £30,000 (£20,000 in Northern Ireland) and live in England, Wales or Northern Ireland.
There are a number of organisations who can submit a debt relief order application for you. These organisations are called ‘competent authorities’.
A DRO costs £90. You pay the fee directly to the Insolvency Service. You can pay in cash at any Payzone outlet.
To find out if a DRO is right for you, use our online debt advice tool.