We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
i England, Wales and Northern Ireland

How will a DRO affect me

What happens after a debt relief order?

A DRO ends 12 months after the date it is approved. These 12 months are known as the ‘moratorium’. You do not make any payments to the included debts in this time and the people you owe cannot ask you to.

The debts in your debt relief order are written off if your situation does not improve in those 12 months.

You are not told when your DRO ends. Make sure you note down the date it is approved.

dad and daughter cooking

Considering a DRO?

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

Get debt help

What can creditors do after my DRO ends?

All debts included in your DRO are written off if your situation does not improve.

The people you owe cannot:

  • Take any further action to get the money
  • Now or in future

The DRO does not protect you from:

Can you get credit after a DRO?

A DRO stays on your credit file for six years from the date it is approved.

It may be hard to take out credit during this time.

Find out more about DROs and your credit file.

Will my DRO still be on the insolvency register?

England and Wales

Your DRO is recorded on the Individual Insolvency Register. This is an online database for:

  • Bankruptcies
  • IVAs
  • DROs

Anyone can search the Individual Insolvency Register online.

You are added to the database when your DRO is approved.

Your details stay on the database for:

  • The duration of your DRO, and
  • Three months after it finishes

This means you are on the register for 15 months total.

Northern Ireland

Your details are added to the public DRO Register and removed three months after the DRO ends.

This happens even if your DRO is revoked.

How a DRO affects you.

How often can I apply for a debt relief order?

You must wait six years after you successfully apply for a debt relief order.

This applies even if your DRO is cancelled after approval.

Get free debt advice online now

Use our free online debt advice tool. We will recommend the best solution for your situation.