Debt Relief Order (DRO)

If you have a debt problem, one of your options for sorting it out might be a Debt Relief Order (DRO). A DRO is an option for those with few or no assets and a low disposable income, making contractual debt repayments difficult. A Debt Relief Order is a solution only available in England, Wales & Northern Ireland

Remember, a Debt Relief Order might not be your only option and it might not be the most appropriate debt solution for your needs. Our trained advisors can assess your financial situation and help you find the most suitable option for you.

Listed below are some of the Main Advantages & Disadvantages of a Debt Relief Order

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  • A Debt Relief Order is a formal solution, so included creditors cannot chase for payment

  • A DRO has a relatively low set-up cost of £90, which can be paid in instalments

  • Once a DRO is active, repayments towards included debts stop

  • Interest and charges on included debts will be frozen for the 12 months the DRO is active

  • All debts in a DRO are cleared after one year if a customer’s situation does not improve


  • You will have to abide by a set of restrictions and breaking these will have serious consequences which can include a fine, an extension of the restrictions up to 15 years or even prison.

  • Your credit rating will be severely impacted and your ability to get credit will be affected for six years, from the date the debt relief order is instated.

  • It is a criminal offence to falsify information on a DRO

  • You will be listed on a public register

  • Being subject to a Debt Relief Order can affect certain employment roles and professions. Check your employment contract if you are unsure.