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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 are no more than £20,000.
If you qualify, a Debt Relief Order will almost certainly be your best route to debt freedom.
Debt Relief Orders were introduced by Government for people who could not afford the fees to go bankrupt even when it was be in their interests.
Applying For A DRO
Your financial situation is assessed by a DRO advisor.
Your debts must total less than £20,000 and your assets must not exceed £1,000 in value.
Some debts and assets are excluded and so don’t count towards this limit.
Your DRO advisor will guide you through the application and you'll only pay a £90 fee to the Insolvency Service.
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.
When DRO period completes all debts are written off.
Which Debts Are Covered?
Most debts are written off by a Debt Relief Order.
Loans & Overdrafts
Store & Credit cards
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.