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Considering a DRO?

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

Get debt help

i This solution is only available in 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.

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’.

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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 debt relief order cost?

A DRO costs £90. You pay the fee directly to the Insolvency Service. You can pay in cash at any Payzone outlet.

  • In England and Wales, the official receiver will only consider your DRO application when the £90 is paid in full. There’s the option to pay in full or in instalments
  • In Northern Ireland, the £90 fee has to be paid after you’ve handed in your DRO application. You can only pay the fee in a lump sum, rather than instalments

Is a DRO right for me?

To find out if a DRO is right for you, use our online debt advice tool.