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

What is a DRO

Debt relief order. What is it?

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.

Is a DRO suitable for you?

Free online debt advice in 20 mins

Get help with Debt Remedy

Or call our expert debt advisors

0800 138 1111

8am to 8pm Monday to Friday, 8am to 4pm Saturday. Freephone inc. mobiles.

Am I eligible for a DRO?

To apply for a DRO you need to meet the following criteria:

  • Your debts add up to less than £20,000 if you live in England or Wales, or less than £15,000 if you live in Northern Ireland
  • You’re not a homeowner
  • Your assets are worth less than £1,000 if you live in England or Wales, or £300 if you live in Northern Ireland – though you can own a motor vehicle worth up to £1,000 in addition to this
  • You have less than £50 a month left over after you’ve paid all of your living costs.

How does a DRO work?                               

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.

How much does a DRO cost?

A DRO costs £90. You pay the fee directly to the Insolvency Service and you can’t submit your application until the fee is completely paid.

 

Free DRO advice

If you’re considering a debt relief order, we can help you through the whole process.

Use our online debt advice service Debt Remedy, which will suggest the best debt solution. Alternatively you can ring our Freephone Helpline (free from all landlines and mobiles).