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What is a DRO

Debt relief order. Which assets are included?

A debt relief order (DRO) is designed for people with few assets. An asset is something of value you own that can be sold to raise money.

You cannot apply for a debt relief order if:

  • You live in England or Wales and your assets total more than £2,000
  • You live in Northern Ireland and your assets total more than £1,000

Is a DRO right for you?

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What are classed as assets for a DRO?

Examples of assets include:

  • Property
  • Antiques
  • Shares
  • Savings
  • Money other people owe you
  • Jewellery
  • Computers

These assets are valued by how much you could get if they are re-sold in their current condition, not what you paid for them.

Which assets are not included in a DRO?

The official receiver dealing with your DRO will not include certain things when adding up the value of your assets.

These items include:

  • Essential household items like bedding, clothing and furniture
  • Tools or other equipment that are essential for your job

Do you qualify for a debt relief order?

Will I lose my car if I have a DRO?

To qualify for a DRO, your total assets cannot be worth more than:

  • £2,000 if you live in England or Wales
  • £1,000 if you live in Northern Ireland

You can own one domestic vehicle worth up to £2,000 in England or Wales (or £1,000 in Northern Ireland) on top of this.

You must give details of your vehicle including the:

  • Make
  • Model
  • Registration number

The value will be checked. 

You need valuations from two independent motor dealers if it seems to be worth more than the limit.

The limits do not apply to a vehicle adapted to help with a physical disability.

Business Vehicles

A vehicle used for business purposes only is counted as part of the total assets you can have.

This means you cannot get a DRO if your business vehicle is worth more than the limit in your country.

Cars on hire purchase (HP)

The finance company owns the car if:

  • You still make payments
  • This means it does not count as an asset

You own the car if:

  • You have paid off the finance
  • The HP ends during your DRO
  • This means your DRO could be cancelled if your car is worth more than the car asset limit

Can I get a DRO if I am a homeowner?

You cannot apply for a DRO if you own your home. Even if it is in negative equity.

Find out about other debt solutions.

Find out if you can get a debt relief order

Get free, impartial debt advice before applying for a DRO.

We can help you find the best solution for your situation.