Debt Relief Order


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Speak with one of our friendly debt advisors on 0800 97 88 495


Our team will help you find the right solution for your financial problems

What Is A DRO?

It is typically suitable for individuals who are struggling with their debts and have limited or no assets, as well as having less than £75 a month left over once all their normal household bills have been paid.

A DRO can only be done by individuals who owe less than £30,000, however some debts do not count towards that total (student loans, court fines are just a couple of examples). A DRO will typically run for 12 months and during this time frame you won’t have to make any payments towards your debts that are included in the DRO.



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The criteria to check for eligibility to see
if you qualify for a DRO can be quite
extensive; however the main ones are:

  • Owe less than £30,000
  • Have £75 or less left over each month after you have paid normal household expenses.
  • Not have, or own, any assets worth more than £2,000. This includes a car
  • You cannot own a home and apply for a DRO

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  • If you live in England or Wales you may be eligible if you owe less than £30,000 and have less than £2,000 in assets (and a car worth no more than £2,000).
  • If you live in Northern Ireland you may be eligible if you owe less than £30,000 and have less than £300 in assets (and a car worth no more than £2,000).
  • You must have £75 or less left over at the end of every month.
  • You can only apply for a DRO if you live in England, Wales or Northern Ireland.
  • Must not be involved in any other formal insolvency procedure.
  • Be able to afford the £90 application fee.
  • Do not own a home.


  • If your financial position remains unchanged, your debts will be written off after 12 months.
  • Low application fee of £90.
  • Creditor contact stops once the order is accepted.


  • Only able to obtain a DRO once every 6 years.
  • You are unable to apply if you are a homeowner.
  • The DRO will appear on a public register for 12 months.
  • The DRO will adversely affect your credit rating for 6 years.
  • Your assets must be worth less than £2,000.

You will have to pay a £90 fee & only a DRO adviser can submit
an application for a DRO.

You can call one of our advisers on 0800 97 88 495 or email to find out if you qualify for an DRO.

Debt Support Service can be contacted through the following ways: