Debt Relief Order
(DRO)

Debt Relief Order
(DRO)

  • Debt written off on completion
  • Stop lender contact
  • Freeze interest & charges

How we could help

Write off up to 100% of your unsecured debts

Your unsecured debts will be frozen for 12 months and if your circumstances don't change following that, they will be written off completely.

We'll deal with your lenders

All contact from your lenders such as letters, emails, and calls will stop.

Take back control

With no more contact from lenders, no more unsecured debt payments to make, and all qualifying debts written off after 12 months.

Get started

A Debt Relief Order (DRO) is an alternative to bankruptcy which lasts for 12 months. It costs £90 to apply and if accepted, you will not be required to pay the debts which are included. After 12 months, the debts included in the DRO will be written off providing you still qualify and your circumstances haven’t changed.

You will need to apply for a DRO through an Insolvency Service accredited intermediary, like us. A full review of your financial circumstances will be carried out to see if you are eligible. An application is then made to the Official Receiver.

Once the DRO has been granted the Official Receiver will notify your eligible creditors. Interest and charges relating to debts included in the DRO will be frozen for a period of 12 months. If you experience a change in circumstances during this period (e.g. a pay rise, inheritance, lottery win etc) you must inform the Official Receiver. They will then decide if the DRO should continue.

There is specific qualifying criteria for Debt Relief Orders:

  • The total owed to unsecured creditors must be less than £20,000.
  • You must not own assets including a vehicle worth more than £1,000 (though if special adaptations have been made e.g. for mobility or disability purposes then this may be allowed).
  • Your disposable income must be less than £50 per month after paying your essential household bills.
  • You must not be a homeowner
  • You must have been a resident in England, Wales, or Northern Ireland in the past three years.

Write off up to 100% of your unsecured debts

Your unsecured debts will be frozen for 12 months and if your circumstances don't change following that, they will be written off completely.

We'll deal with your lenders

All contact from your lenders such as letters, emails, and calls will stop.

Take back control

With no more contact from lenders, no more unsecured debt payments to make, and all qualifying debts written off after 12 months.

Get started

What is a DRO?

A Debt Relief Order (DRO) is an alternative to bankruptcy which lasts for 12 months. It costs £90 to apply and if accepted, you will not be required to pay the debts which are included. After 12 months, the debts included in the DRO will be written off providing you still qualify and your circumstances haven’t changed.

Get started

How does a DRO work?

You will need to apply for a DRO through an Insolvency Service accredited intermediary, like us. A full review of your financial circumstances will be carried out to see if you are eligible. An application is then made to the Official Receiver.

Once the DRO has been granted the Official Receiver will notify your eligible creditors. Interest and charges relating to debts included in the DRO will be frozen for a period of 12 months. If you experience a change in circumstances during this period (e.g. a pay rise, inheritance, lottery win etc) you must inform the Official Receiver. They will then decide if the DRO should continue.

Get started

Do I qualify for a DRO?

There is specific qualifying criteria for Debt Relief Orders:

  • The total owed to unsecured creditors must be less than £20,000.
  • You must not own assets including a vehicle worth more than £1,000 (though if special adaptations have been made e.g. for mobility or disability purposes then this may be allowed).
  • Your disposable income must be less than £50 per month after paying your essential household bills.
  • You must not be a homeowner
  • You must have been a resident in England, Wales, or Northern Ireland in the past three years.
Get started

Get debt help now

Complete the online form and one of our friendly advisors will call you to discuss your options.

Get started

Answer a few online questions so we can find the most suitable debt solution for you.

Talk to an expert

Speak to an advisor so we can help reduce your payments and set everything up.

Take back control

Continue with the professionals on your side until you are debt free!

Is a DRO right for me?

Entering into a DRO may have consequences, these include:

Your credit rating could be impacted for up to six years.

There maybe restrictions on you managing a company.

The DRO could be revoked if you don’t meet your obligations during it or your circumstances improve.

Details of a DRO will be made available on a public register.

Fees are payable if ongoing services are provided, read about Fees and Key Information here.

For more help and advice, visit the Money Advice Service, an independent service set up to help people manage their money. Or find out more about the different options for paying off your debt here. Debt Relief Orders are not avaliable in Scotland.

Fantastic...

Fantastic service right from day one. Even when I've struggled there's always been a friendly voice at the end of the phone to support me. Harrington Brooks are a fantastic way to get back on track. If you're having problems with debt, give them a call!

Get debt help now

Complete the online form and one of our friendly advisors will call you to discuss your options.

Get started

Answer a few online questions so we can find the most suitable debt solution for you.

Talk to an expert

Speak to an advisor so we can help reduce your payments and set everything up.

Take back control

Continue with the professionals on your side until you are debt free!

Real people, real stories

Here are some of the benefits people who are accepted receive.

Debt Relief Orders are subject to eligibility, alternative solutions may be offered.

Application
fee £90

Debts written
off after 12 months

Write off
up to £20,000

Real people, real stories

How we’ve helped 1000s of people build a brighter future.

Here are some of the benefits people receive once their DRO is accepted.

Debt Relief Orders are subject to eligibility, alternative solutions may be offered.

Application
fee £90

Debts written
off after 12 months

Write off
up to £20,000

Get started

Get debt help now

Complete the form and one of our friendly and confidential advisors will call
you back to discuss the way forward.

  • Completely anonymous
  • Free eligibility check

What is your Debt Level?

£4000

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