A Debt Relief Order (DRO) is an insolvency procedure you can apply for if you cannot afford to pay off your debts. It is a cheaper option than going bankrupt, generally costing about £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. Details of your DRO will be recorded on a public register.
Fill in the form if you would like to find out more about a dro and if it might be a suitable option for dealing with your debts.
* An order that will place restrictions similar to those in force while subject to a DRO, which the Official Receiver may apply for.
Below are some of the most frequently asked questions about Debt Relief Orders that we are regularly asked. If you have any DRO queries that aren't on this page, get in touch and we will be happy to answer them for you.
For England and Wales:
For Northern Ireland:
To apply for a Debt Relief Order, you'll need to identify whether you meet the conditions to apply.
If you do not qualify for a Debt Relief Order there may be other suitable options that we can help you with. Give our team a call to see what your options are.
Only certain types of debt can be included in a Debt Relief Order.
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:
If you are interested in applying for a Debt Relief Order or discussing a Debt Relief Order with one of our advisors please call us.
All of the debts that are listed on your order will be written off and you will no longer have to pay them.
I tend to panic for panics sake and all those at National Debt Relief ease my mind at every turn. Nothing seems too much.
I'm 4 months into the plan and have absolutely no complaints. Thank you so much.
Thank you all for helping me out of a difficult time with my finances! Great service from a great company.
From the moment I started dealing with National Debt Relief I knew they were the right choice for me.