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Thinking about going ahead with a DRO?

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i This solution is only available in England, Wales and Northern Ireland.

Getting a DRO

How do I get a debt relief order?

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

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 have unsecured debts of less than £20,000 and live in England, Wales or Northern Ireland to qualify.

There are 12 organisations who can submit a debt relief order application for you. These organisations are called ‘competent authorities’.

Is a DRO right for you?

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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 application. You can only pay the fee in a lump sum, rather than instalments

Benefits of DRO application process with StepChange Debt Charity?

If a debt relief order is the right solution for you, our dedicated debt relief order team will help you through every stage of the debt relief order application process.

The £90 fee is non-refundable and you can only apply once every six years. So it’s crucial that you qualify and that the information on your DRO application is correct.

Our specialist debt advice team will check your application before submitting it. This will make it much more likely that the Insolvency Service will accept it and grant the debt relief order.

Is a DRO right for me?

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

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