Debt Relief Order


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Debt Relief Order

A Debt Relief Order (or DRO as it is commonly referred), is a form of insolvency whereby you pay a fee of £90 and if the application is accepted, your debts will be held for 12 months. Providing your circumstances don’t change during this time, the debts will be written off.  You can only apply for a DRO via an approved DRO Intermediary. If you’re eligible we can assist you with this via one of our trusted partners.



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There are strict criterias for a DRO
and these include but are not
limited to:

  • Your debts must not exceed £30,000 (£20,000 in Northern Ireland).
  • You must have lived in England, Wales or Northern Ireland in the last 3 years.
  • You must not be a homeowner.
  • You must not have assets worth more than £2,000 (£1,000 in Northern Ireland).
  • You must not own a vehicle worth more than £2,000 (£1,000 in Northern Ireland).
  • You must not have more than £75 surplus income each month (£50 in Northern Ireland).

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  • You only make one payment of £90.
  • Most debts can be included in a DRO.
  • Your creditors can not pursue the debts whilst a DRO is in force.
  • You will have a definitive end date.


  • You cannot apply for another DRO for 6 years after you have completed one.
  • You will appear on the insolvency register.
  • Your credit rating may be affected.
  • A DRO can be revoked if your circumstances change during the 12-month moratorium period.
  • The fee will not be returned if your application is declined or revoked.

If you’re struggling with your debts, you should seek debt advice from an FCA approved organisation before proceeding with a debt solution.  

Debt Support Service can be contacted through the following ways: