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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.

Make a claim for a DRO fee refund



Before April 2024, you had to pay a £90 fee when applying for a DRO. This fee was removed in April 2024, meaning it is now free to apply for a DRO.

Refunds are available to people who:


  • Paid the application fee for a DRO between 2016 and April 2024, and
  • Did not submit their application

You are still eligible if only part of the fee has been paid or if payments were made by more than one person.

The Insolvency Service has asked anyone who believes they are due a refund to contact their DRO team via email (preferred) or post:


When making contact, try to give as many of the below details as you can:


  • Debt Relief Order application number (if known)
  • Name
  • Address
  • Telephone number
  • Bank/building society name and details
  • Details of a third party, charity or organisation which paid on your behalf
  • Previous name, address or email (if changed since application attempt)

Anyone with further questions can contact the Insolvency Service customer service helpline on 0300 678 0016. They are open Monday to Thursday from 9am to 5pm, and on Fridays from 9am to 3pm.

Is a DRO right for me?

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