Debt Relief Order
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Does a Debt Relief Order Clear My Debts?

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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