Debt Relief Order (DRO)

A solution for those with low income and few assets

Check Your Eligibility

What is a Debt Relief Order?

A Debt Relief Order (DRO) is a formal debt solution designed for people with low income, few assets, and relatively low levels of debt. It's often called 'bankruptcy lite' as it provides similar benefits to bankruptcy but with a simpler, less expensive process.

Key Benefits

  • Debts written off after 12 months
  • No monthly payments required
  • Protection from creditors
  • Lower cost than bankruptcy

Eligibility Criteria

  • Debts under £30,000
  • Assets worth less than £2,000
  • Less than £75 monthly disposable income
  • UK resident for 3+ years

The DRO Process

1

Initial Assessment

We check if you meet the DRO criteria and gather information about your debts, income, and assets.

2

Application Preparation

We help prepare your DRO application with an approved intermediary.

3

Official Receiver Review

The Official Receiver reviews your application and makes a decision.

4

DRO Period

Your DRO lasts for 12 months, during which creditors can't take action against you.

5

Debt Write-Off

After 12 months, included debts are written off and you can make a fresh start.