Debt Relief Order
A fresh start for small debts.
Freeze qualifying debts for 12 months — if your situation hasn’t improved by then, they’re written off.
Is it right for you?
A DRO may suit you if…
- You owe £50,000 or less
- You have £75 or less spare each month
- Your assets are worth £2,000 or less
- You don’t own your home
It may not be suitable for
- Homeowners
- Anyone with significant savings or assets
Don’t worry — there are other options, and our check will point you in the right direction.
Real-life example
How a DRO could help.
Leanne, 27, Bristol
Leanne was on a low income in rented accommodation with debts she couldn’t repay.
If her circumstances don’t improve, the qualifying debts are written off after 12 months.
Total debt
Monthly payments
Timescale
Illustrative example only. Names and figures are representative; your outcome depends on your circumstances.
How it works
How a DRO works.
Check eligibility
We look at your debts, income and assets.
Application
An approved intermediary applies on your behalf.
12-month freeze
Creditors can’t chase. Debts are written off after a year.
The full picture
Advantages and disadvantages.
Advantages
- Qualifying debts written off after 12 months
- No application fee
- Creditors can’t take action
- No monthly payments to creditors
Things to consider
- Strict eligibility criteria
- Credit rating affected for 6 years
- Restrictions on borrowing over £500
- Details appear on a public register
Could a DRO work for you?
Five quick questions. No credit search. No obligation.
Safe, secure, confidential
DRO FAQs
Common questions.
Does a DRO cost anything?
No. The application fee was removed in April 2024.
Can I keep my car?
Usually, if it’s worth £4,000 or less.
What if my income goes up?
You must report changes, and the DRO could be reviewed.
Compare options
Other debt solutions in England.
Not sure if a DRO is right for you?
Answer five quick questions and we’ll help you understand which options may suit you.
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