Debt Relief Order (DRO)

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What Is A DRO?

Debt relief orders (DROs) are a new form of insolvency measure in the UK. A DRO is a simplified, quicker and cheaper alternative to bankruptcy in the United Kingdom. It’s suitable for debtors who have few or no assets (less than £1000 and not homeowners) and little disposable income (less than £50 per month). It’s possible to apply for a DRO without attending court and the fee is £90. The fee may be paid by instalments prior to applying for the order. When a debt relief order is made a DRO period starts, which is normally a year. During the time of the DRO there’re certain restrictions on what can be done, and what can’t be done whilst on the agreement.

Debt Relief Options

Debt Relief Order

A debt relief order (DRO) is a way to have your debts written off if you have a relatively low level of debt and have few assets. If you qualify, our specialist DRO team can apply to the Insolvency Service for you to take away any hassle.

Debt Consolidation

Consolidating debt usually involves taking out new credit to pay off existing creditors. Most people do this to reduce the interest rate on their debt, to reduce the payment amount or to lower the number of people to whom they owe money to one.

Debt Management

A debt management plan (DMP) helps you to manage your debts and pay them off at a more affordable rate by making reduced monthly payments. We'll work with you to add up a budget that meets your personal needs and household requirements.


When you go bankrupt almost all of your debts are written off. If you’re in severe financial difficulty and are considering going bankrupt, you’ll probably have lots of questions about it. Here we’ll tell you more about bankruptcy and the effects.

Debt Relief Order Alternatives

Free Debt Management Plan

Debt Management Plans are available across the UK although people dont take advantage of them. So regardless of where you live in the UK, if you’re struggling to keep up with payments to your debts. A DMP can help get everything in order, therefore making things that little bit more manageable to help ease stress over debt problems.


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Individual Voluntary Arrangement

An Individual Voluntary Arrangement (IVA) is a formal and legally-binding agreement between you and your creditors to pay back your debts. This is agreed over a period of time and any remaining debt after this is written off. An insolvency practitioner deals with the creditors throughout the duration of the IVA so you don’t have to.


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Bankruptcy is a legal status that usually lasts for a year (see ‘How long does bankruptcy last’ below) and can be a way of clearing debts you can’t pay.When you’re bankrupt, your non-essential assets (property and possessions) and excess income are used to pay off your creditors (those you owe money to). At the end of the bankruptcy period, most debts are ‘discharged’ (cancelled)


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Help With Debt Relief

I Can't Afford My Debt What Should I Do?

Firstly if you don’t reply to court documents, the county court will issue a default judgement. Also with no evidence about what you can afford, it may order you to pay the amount in full. If you get in touch we may be able to help you get the matter resolved sooner rather than later.

Whats the difference between bailiffs and debt collectors?

The important thing to know here is that a debt collector doesn’t have any extra legal powers to collect a debt, whereas a bailiff does. Also bailiffs have to legal right to visit your property, and to remove and sell your goods to pay off a debt. With that being said a debt collector doesn’t have the same sort of power they are there simply to remind you to pay the debt.

How do i deal with bailiffs?

Bailiffs are only allowed to force their way into your home to collect unpaid criminal fines, Income Tax or Stamp Duty, but only as a last resort. Also if you don’t let a bailiff in or agree to pay them: they could take things from outside your home, for example an asset.  Furthermore if you require any further details you can contact us for free our freephone number or fill online form.

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