Debt Relief Order

What is a Debt Relief Order?

A Debt Relief Order is an insolvency procedure you can apply for if you simply cannot afford to pay off your debts. It is a cheaper option than going bankrupt, generally £90.
In a Debt Relief Order you state your inability to pay your debts and if your circumstances do not change for 12 months any debt included in the Debt Relief Order will be legally written off. None of the creditors listed in the Order will be able to take any action against you.


	Approx Debts (£)
	Ideal Monthly Repayment (£)

	Total Monthly Income (£)
	Total Monthly Outgoings (£)

	Your Name *
	Your Telephone *

Available for Payments (£)

+ Do you qualify for a Debt Relief Order?

You must have debts of less than £15,000, less than £50 disposable income (money left after paying all household bills and living costs) and have less than £300 assets

+ How do you apply for a Debt Relief Order?

To apply for a Debt Relief Order, you'll need to identify whether you meet the conditions to apply.

+ What can you do if you do not qualify for a DRO?

If you do not qualify for a Debt Relief Order there may be other suitable options that we can help you with.
Give us a call on 0800 043 5135 to see what your options are.

+ What type of debts can be included in a Debt Relief Order?

Only certain types of debt can be included in a Debt Relief Order.

credit cards, overdrafts, loans
rent, utilities, telephone, council tax
benefit overpayments and social fund loans
hire purchase or conditional sale agreements
buy now - pay later agreements.

If you have a hire purchase or conditional agreement you may have to return the goods bought with these loans, unless someone else can pay the instalments. You will not be able to carry on paying for the goods once you have a debt relief order.
Certain types of debt can't be included in a debt relief order. You must pay these separately as action can still be taken against you. These include…

Child support and maintenance
Student loans.
Court fines and confiscation orders.

If you are interested in applying for a Debt Relief Order or discussing a Debt Relief Order with one of our advisors please call 0800 043 5135

+ What happens after the debt relief order finishes?

All of the debts that are listed on your order will be written off and you will no longer have to pay them.