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Debt Relief Order

A DEBT RELIEF ORDER order (DRO) is a way to have your unsecured debts written off if you have a relatively low level of debt, have few assets and a low level disposable income.

What’s a DRO?​

A Debt Relief Order is a simpler and quicker alternative to bankruptcy, lasting for 12 months. It is suitable for those people who owe less than £20,000, have few or no assets (less than £1000 and not a home owner) and have disposable income of less than £50 per month. When the 12 month period ends all of your debts are written off.

How Can A DRO Help Clear Your Debts?

  • It can write off all of the debts
  • You can clear your debts in 12 monthS
  • It can put a stop to all creditor contact
  • It will stop all payments towards your debts
  • It will stop legal action from being taken against you
  • please NOTE: A DRO WILL ALSO HAVE A SERIOUS ADVERSE EFFECT ON YOUR CREDIT RATING

How does DRO work?

  • Suitable if you are on a low income with very few assets
  • Freezes debt for a year then writes it off completely if your circumstances haven’t changed


Once a Debt Relief Order is agreed, you make no further payments to the people you owe money to (your creditors). Your creditors are only likely to agree to a Debt Relief Order if it is unlikely that you will ever be able to clear your debts.

How do I arrange a DRO?

Only a licensed Insolvency Practitioner or Court is able to set up a DRO. If you are in debt and feel that an DRO might be the solution you’re looking for then the first step is to speak to one of our advisors. Feel free to discuss with our advisors your current situation, income, outgoings and debts. This will help us determine if an DRO is the best option for you. If yes, we will prepare your case and appoint one of our Insolvency Practitioners to act on your behalf.

For more information on an IVA or any other debt help solution fill out the enquiry form here :

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Call: 0161 5372015
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