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A DRO is a form of insolvency that can help you to write off debt that you’re unable to repay in a reasonable amount of time.
A debt relief order (DRO) is only available in England, Wales and Northern Ireland. If you live in Scotland you might be able to apply for bankruptcy using the minimal asset process (MAP). This is a similar solution, but it's important to note that it has different benefits, risks and fees associated with it.
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To apply for a DRO you need to meet the following criteria:
Read our guide to find out if you qualify for a DRO.
You need to apply for a DRO through one of the organisations approved by the Insolvency Service, of which we are one.
If your DRO is approved, payments to your debts are put on hold for 12 months and your creditors cannot take any action to collect the debts during this time, although interest and charges can still be added. If after the 12 months your circumstances haven't improved, then all of your debts included in the DRO are written off.
If during the 12 month period your DRO is cancelled (revoked), your creditors can pursue the debt again, with interest and charges added. You would then need to consider what other repayment options are available to you. Should this happen, we can help you look into what you can do next.
Your DRO be recorded on your credit file for six years from the date it's approved.
A DRO costs £90. You pay the fee directly to the Insolvency Service and you can’t submit your DRO application until the fee is completely paid.
If you’re considering a debt relief order, we can help you through the whole process.
Use our online debt advice service which will suggest the best debt solution. Alternatively you can ring our advisors (free from all landlines and mobiles).