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Debt Relief Order


  • Formal solution, Creditors cannot chase for payments
  • All Debts are Cleared after one year 
  • During 12 months the dro is in place will not be required to make any payments 
  • Dro has a low set up cost of £90 and can be paid in instalments


  • DRO WILL effect your credit score and your ability to gain credit will be very limited
  • A debt relief order can impact certain jobs
  • If your circumstances improve during 12 months debts can be reverted back to the customer
  • You cannot have more than £1000 worth of assets.

For those living in England and Wales for three years or more a Debt Relief Order (DRO) is a form of financial insolvency in the United Kingdom. DRO’s are widely considered to be a cheaper, more pared-down version of outright bankruptcy. Financial advisors consider DRO as a viable option for those with little to no assets and only a small amount of disposable income. As of February 2019, a DRO application can be submitted for an application fee of £90.

Am I Eligible for a DRO? 

Anyone who has debts up-to a maximum of £20,000 and who has lived and worked in England or Wales for the last three years is eligible to apply for a DRO. If you are applying for a DRO, you cannot own a home or a vehicle worth more than £1,000. People who have vehicles that are specially designed to assist with a disability are exempt from the vehicle value restriction. If you have previously gone through the DRO process, six years must have elapsed since your most recent DRO. In addition, you are in ineligible for a DRO if you are presently navigating another insolvency claim such as bankruptcy.

In addition, there are a variety of activities that you must declare before being eligible for DRO approval. If you have given away belongings, sold belongings for less than their value, or prioritized one creditor more than another within the previous two years of your DRO application, you must make this known as part of your application process.

What Happens During My DRO Period?

If your DRO application is granted, you will receive a formal outline illustrating the financial restrictions that will be enforced on you during your DRO period. It is up to you to send a notice of the DRO to each of your creditors outlined within the DRO itself. During the DRO period, which can last upwards to one year, you are not required to submit payments toward the creditors named in your DRO. In addition, creditors listed in your DRO are not legally allowed to take any action against you.

What Happens When My DRO Period Has Ended?

An important thing to remember is that unlike the instance when your DRO is initiated, you will not receive notification that your DRO has expired. If you are unsure of the exact date of expiry of your DRO, you can check the status of your DRO filing at the official website of the Insolvency Service. The Insolvency Service gives individuals who have enrolled a DRO three months to access a copy of your DRO end date period following the expiration of the DRO itself.