Debt Help
Find out if you qualify for debt help with a debt relief order.
No Repayments - 100% Debt Write-Off
A DRO clears all included debts
Learn Your Eligibility Today
Only certain people qualify for a Debt Relief Order.
Get a An Assessment
Fully understand your options and any implications.
Trusted Advice – Confidential Support
We helped 1000’s find the way to debt freedom.
Debt Relief Order Eligibility Check
Which Debts Are Covered?
Most debts are written off by a Debt Relief Order.
Loans & Overdrafts
sdraC & tiderC erotS
Benefits over payments
HMRC & Council tax arrears
Debts with a Court Judgement
Rent, Gas and Electricity arrears
Catalogues & Buy now – pay later agreements
For other debts contact Debt Guardians for clarification
Certain debts cannot be included in a Debt Relief Order DRO such as; criminal court fines; debts obtained by fraud; child support arrears and most student loans.
What is a Debt Relief Order?
A Debt Relief Order (DRO) is a way to deal with your debts if you don’t own your home, don’t have much spare income and your debts below a certain value.
Your financial situation is assessed by an advisor.
Your debts must total less than £50,000 and your assets must not exceed £4,000 in value.
Some debts and assets are excluded and so don’t count towards this limit.
A DRO can help put a stressful situation behind you while you look forward to a more stable financial future.
Being in a Debt Relief Order
When the DRO is accepted you enter the 'DRO period' which lasts 12 months.
During this time you don't make any repayments and those you owe cannot take any action to recover any included debts.
While you have a DRO you still have to pay certain excluded debts such as child support arrears, student loans and court fines.
When the DRO period completes all included debts are written off.
Applying For A DRO
The Insolvency Service is the Government agency responsible for overseeing insolvency in the UK.
There is no application fee.
How We Can Help
We will assess you to determine the solution most suited to your situation. If a debt relief order is appropriate, we will refer you accordingly.
Unsecured debts only
Available in England and Wales only.
Subject to qualifying criteria and acceptance.
Important
See DRO Benefits and Considerations to take into account before deciding upon a Debt Relief Order.