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Debt Relief Orders (DROs)

A DRO can help you take control of your finances.

  • An alternative to bankruptcy
  • For people with low incomes and few assets
  • Debt are usually written off after 12 months

“They provided an excellent tailored financial
solution which proved extremely useful.”

Do you qualify?

How to find a debt solution
that works for you.

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Quick & Simple

By clicking on ‘DO YOU QUALIFY’ and completing some simple questions about your financial circumstances, you’ll be taking your first step towards a debt free future.

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Free, instant report

With the information you provide, we’ll instantly send you a free report that will explain how we can help you.

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The Solution

Discuss your unique circumstances with one of our accredited advisors. By taking your income and outgoings, we can help you find a debt solution that works for you.

For more help and advice, visit the Money Advice Service, a free independent service set up to help people manage their money. Or find out more about the different options for paying off your debt here.

IVAs are only available in England, Wales and Northern Ireland. IVAs, DROs and Bankruptcy are only available in England, Wales and Northern Ireland.

What is a DRO?

There is very specific criteria to be eligible for a DRO. When you speak to an expert advisor, they will let you know if you qualify.

If you do qualify, unlike some of the other arrangements, you will not be required to make any monthly payments to your lenders. There is a one off payment of £90.00 to apply, and in 12 months’ time, if you still fall within the criteria, the debts included in the DRO are written off.

Your debt free journey

A quick look at your path
to a debt free future

Debts we can help
you with

Credit cards

Personal loans

Store cards

Overdrafts

Payday loans

Buy now pay later

Your debt free journey

A quick look at your path
to a debt free future

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Advice

An expert advisor will gather the information needed to assess your situation. They will help you decide if a Debt Relief Order is right for you.

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Options

The specific debt solutions available to you will be explained in a way you will understand. That way you will be able to make an informed decision based on your circumstances.

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Proposal

Once the solution has been decided upon, our trusted provider will take care of the rest. They will negotiate with your lenders so you don’t have to.

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Solution

You will then make monthly payments you can afford until you successfully complete your arrangement. Once completed, you will have repaid the debt included in your plan.

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There’s a solution for every problem

Brilliant service , explained everything in as much detail as possible. Really feel like a huge weight has been taken off my shoulders. Worked with me every step of the way.

Sam.

Sam took back control with a DRO

Things to consider

More about Debt Relief Orders

A look at the criteria

Here is a quick look at the criteria for a DRO. If you are unsure,
please speak to one of our expert advisors.

  • If you are a homeowner, you will not be eligible for a Debt Relief Order
  • If you have any assets over £1,000 you may not be eligible
  • Your debt level must be lower than £20,000
  • Your disposable income must be under £50.00. One of our advisors can check this for you.

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Common questions

Payday loans are known for their high interest rates. If you can't pay them back on time, the costs can really start climbing. A DRO could help with this, as payday loans can be included. While the DRO is running, all interests and charges on your debts may be frozen, which could really help if you’ve been struggling with high interest credit. Although this isn’t guaranteed, and if the DRO is revoked for any reason, you could be left with a larger balance than you started out with.

A DRO could help you with your other unsecured debts too – meaning any debts where a lender won’t automatically have rights to your assets. These may include credit cards, overdrafts, personal loans, or other unsecured loans. Priority debt arrears can be included too, such as council tax, utility bill arrears and so on.

There are some types of debts that will be excluded from a DRO, such as secured loans, court fines, child support payments or student loans. Your debt advisor will tell you if any of your debts are excluded.

Once a DRO has been agreed, all payments on your unsecured debts will be suspended. The only payment you'll make is the one-off application fee of £90.

Before the end of your DRO, a review will be completed by your Official Receiver and if your situation improves and the Insolvency Service deem you can afford to repay your debts, the DRO may come to an end and you would be expected to start making normal payments again. If your circumstances haven’t improved and you are still unable to repay your unsecured debts by the end of the 12 months, the debts will be written off.

If you receive a lump sum or windfall payment, such as an insurance claim, bonus, PPI payment, benefits repayment, inheritance and so on, you have a legal obligation to make the Insolvency Service aware of this as it could affect your DRO. Your Official Receiver could review this and decide you’re in a much better position to make your debt repayments and revoke your DRO.

No. When you apply for a DRO, only your ability to repay your debts is taken into consideration (along with the other eligibility criteria). Whether or not you are employed isn't a factor.

A DRO could be an ideal debt solution if you're unemployed, because it doesn't require regular payments. However, if after finding work you are able to repay your debts as normal, your DRO may be reviewed and revoked if it’s deemed you can now afford your repayments.

It's important to remember that a Debt Relief Order is an insolvency solution that is only available to people with very serious debt problems. As such, there will be an impact on your credit rating, with a record of the DRO remaining on your credit report for six years.

Your employment opportunities may be affected and certain jobs (such as a company director) are ruled out during the DRO. It’s important to check if you might be affected before you apply.

Not getting help with your debts could have its own serious consequences – so don't hesitate to contact us if you're struggling.

Payday loans are known for their high interest rates. If you can't pay them back on time, the costs can really start climbing. A DRO could help with this, as payday loans can be included. While the DRO is running, all interests and charges on your debts may be frozen, which could really help if you’ve been struggling with high interest credit. Although this isn’t guaranteed, and if the DRO is revoked for any reason, you could be left with a larger balance than you started out with.

A DRO could help you with your other unsecured debts too – meaning any debts where a lender won’t automatically have rights to your assets. These may include credit cards, overdrafts, personal loans, or other unsecured loans. Priority debt arrears can be included too, such as council tax, utility bill arrears and so on.

There are some types of debts that will be excluded from a DRO, such as secured loans, court fines, child support payments or student loans. Your debt advisor will tell you if any of your debts are excluded.

Once a DRO has been agreed, all payments on your unsecured debts will be suspended. The only payment you'll make is the one-off application fee of £90.

Before the end of your DRO, a review will be completed by your Official Receiver and if your situation improves and the Insolvency Service deem you can afford to repay your debts, the DRO may come to an end and you would be expected to start making normal payments again. If your circumstances haven’t improved and you are still unable to repay your unsecured debts by the end of the 12 months, the debts will be written off.

If you receive a lump sum or windfall payment, such as an insurance claim, bonus, PPI payment, benefits repayment, inheritance and so on, you have a legal obligation to make the Insolvency Service aware of this as it could affect your DRO. Your Official Receiver could review this and decide you’re in a much better position to make your debt repayments and revoke your DRO.

No. When you apply for a DRO, only your ability to repay your debts is taken into consideration (along with the other eligibility criteria). Whether or not you are employed isn't a factor.

A DRO could be an ideal debt solution if you're unemployed, because it doesn't require regular payments. However, if after finding work you are able to repay your debts as normal, your DRO may be reviewed and revoked if it’s deemed you can now afford your repayments.

It's important to remember that a Debt Relief Order is an insolvency solution that is only available to people with very serious debt problems. As such, there will be an impact on your credit rating, with a record of the DRO remaining on your credit report for six years.

Your employment opportunities may be affected and certain jobs (such as a company director) are ruled out during the DRO. It’s important to check if you might be affected before you apply.

Not getting help with your debts could have its own serious consequences – so don't hesitate to contact us if you're struggling.

Take control of your
finances today

As part of our free service, we’ll review your financial situation, explain the available options and recommend a debt solution which is suitable for you. The risks of all suitable solutions will be explained clearly and if you decide to go ahead with a debt solution we will refer you to one of our trusted providers who specialise in the management of that debt solution. We’ll be paid for introducing you or for the preparatory work we do, depending on your debt solution fees may be payable if ongoing services are provided. Read about fees and key information here.

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