Are you currently struggling with debts and looking for a possible solution to take back financial control in England, Wales or Northern Ireland? See below our frequently asked questions on Debt Relief Order (DRO), please note it is important to receive tailored debt advice before chosen a solution to resolve your debts which we can do for you by clicking the button below.

Please note if you are living in Scotland, the rules and solutions differ and the equivalent would be a Minimal Asset Process (MAP)

Can I get a DRO if I work full time?

Yes! A Debt Relief Order (DRO) is designed to to help people with lower incomes, as long as you have left than £75 (£50 if in Northern Ireland) in income left over after paying for all your household bills and living costs you meet the criteria.

How long does a DRO last for?

A Debt Relief Order (DRO) will last for twelve months, after that you will be discharged and your details will continue to be recorded on the public insolvency register for a further three months, and in your credit file for six years from the date the DRO was approved.

Can having a debt relief order stop bailiffs?

If bailiffs are recovering a debt that’s been included in your DRO, they’ll stop this once your DRO is approved, provided no goods have been taken into control. If there’s a controlled goods agreement in place, you may have to continue paying this to prevent them from being removed.
Bailiff action for criminal fines or child maintenance can continue, as these debts can’t be included in a DRO.

Can I get a DRO if I own my home?

No! Under the qualifying criteria of a Debt Relief Order (DRO) you must not own your home or property. If you own your home you would have to look at other options if you are insolvent such as – Bankruptcy or an Individual Voluntary Arrangement (IVA)

How much debt do I need to get a DRO?

To qualify for a Debt Relief Order (DRO) you must have an unsecured debt level of between £1,500 – £30,000 (£20,000 if in Northern Ireland).

How much does a DRO cost?

A Debt Relief Order (DRO) costs £90. You pay the fee directly to the Insolvency Service and you can’t submit your DRO application until the fee is completely paid.