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Debt Relief Order

Does a Debt Relief Order Clear My Debts?

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Why are we asking this question?
By knowing how much debt you owe, we can ensure we are able to offer you the most appropriate debt solution for your needs. Some debt solutions, like an IVA, require you to owe more than £5,000.

Yes and NoThe answer to this question largely depends on which types of debt you have. 

First and foremost, to qualify for a DRO, the following will need to apply: 


  • You are unable to pay your debts 
  • You must not have more that £30,000 of debt 
  • You must not have more than £75 of spare income after you have paid your bills 
  • You don’t own property 
  • You can not have more than £2,000 of assets or savings 
  • You cannot have had a former DRO within the previous six years. 
  • You cannot have another current debt solution 
  • You’ve lived in or owned property in England, Wales or Northern Ireland in the last three years. 

 If you qualify for a DRO based on the above criteria, then you can include the following debt: 


  • Credit cards 
  • Overdrafts 
  • Personal Loans 
  • Rent arrears 
  • Utility bill debt 
  • Council Tax debt 
  • HMRC debt 
  • Benefits overpayments 
  • Buy now, pay later agreements 
  • Bills for services like vets or solicitors 
  • Debts to family or friends 
  • Business debts 

 There are some debts that cannot be included: 


  • Court fines 
  • Child support or maintenance 
  • Student loans 
  • Social fund loans 
  • Compensation for death and injury 

 A DRO last for about a year unless your financial situation improves. Once the DRO ends, most of your debt will then be written off. 


To find out more, visit our Debt Relief Order pages

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