One-Stop Solution to Your Debt Problems: Debt Relief Order in the UK

Get a second chance to restore your financial balance and secure your future with DRO (Debt Relief Order)

What Does DRO Stand For?

DRO or Debt Order Relief is a debt solution approved by the government for the people living in Wales, Northern Ireland, and England. This solution is meant for those who are unable to clear their debts for some valid reason. After 12 months, this solution writes off certain debts so that they can focus on restoring their finances. Those who have a DRO can have benefits like -

  • Debt payments get paused for 12 months
  • After 12 months, eligible debts are being written off
  • Prevents the need for going to the court or being accountable for

Advantages of a DRO

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No debt-repayment for 12 months

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Protection from creditors

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Hassle-free procedure

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Safeguards essential assets

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Who Are Eligible to Apply for a DRO?

Usually, people who belong to a low-income level group or don’t have much in assets, yet have a lot of debt, get the eligibility of having a DRO.

  • Debt amount is around £2,500 or less than that
  • The disposable monthly income of the debtor is £75 or less than that for expenses
  • Assets belong to the debtor, don’t have a value of £2000 or less
  • Must have not applied for a DRO within the last 6 months

Are you still not sure about whether you are eligible or not? Feel free to reach our experts.

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Debts Covered by a DRO

Most types of unsecured debts can be included in a DRO, such as:

  • Credit card debt
  • Personal loans
  • Overdrafts
  • Utility bills (gas, electricity, water)
  • Council tax arrears
  • Store card debt

Not sure if you qualify? Contact us for a free eligibility assessment.

How Can We Help You With a DRO?

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Consult with our debt advisor

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Apply for the DRO

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Grant of moratorium period

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Debt Written Off

Got a question with DRO? Find the answers here

Frequently Asked Question

The standard application fee for a DRO is £90, and you must pay the total amount before you submit your final application.

Your debts get frozen during the 12-month moratorium period. During this period, your creditors cannot contact you or take any legal action against you for debt repayment.

Most of the assets worth £2000 remain secured even after you apply for a DRO. And, that works for your car as well. However, if you already own a much valuable house, DRO will not be a good option for you.

Yes. Legally you are not bound to quit your job. Until and unless the overall disposable income is £75 or less than that in a month, there should not be any issue regarding that.

Get time to settle your financial problems with a DRO

Are you struggling to repay your debt? Go for a free consultation with our experts to know how a DRO can help you