Debt Relief Order (DRO)

Make no repayments for 12 months and have 100% of included debts written off.

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May not be suitable in all circumstances. Fees and disadvantages may apply, learn more here.

How much do you owe?(Required)

Money Helper (formerly The Money Advice Service) is a free service set up by the Government to help people make the most of their money. If you would like to learn more click here.

Your journey to financial freedom starts here.

1. Speak to our team.

Our experienced advisors are waiting to help you start dealing with your debts.

2. We guide you.

Find out more about the debt repayment plans available to you.

3. Ongoing support.

Our advisors will support and guide you throughout your journey to debt freedom.

Find out if a Debt Relief Order is the right debt management solution for you.

As with any debt agreement, it’s important that you seek professional advice before committing.

What is a Debt Relief Order?

A DRO is a formal debt solution whereby you cease to make payments towards your included debts for a period of 12 months.

If after this time your financial position has not changed and you still can’t make any contributions towards your debts, all of your debts are written off in full.

So a Debt Relief Order could be ideal if you cannot afford to make any repayments towards debts that are eligible to be covered by a DRO.

What is the eligibility criteria for a Debt Relief Order?

To be eligible for a DRO you must meet the following criteria:

Owe less than £50,000, and
Have less than £2,000 worth of valuables or/and assets combined, and
You do not own your home, and
Are not currently bankrupt, or in an IVA and have not had a DRO in the past 6 years, and
You do not have enough money left over each month to repay your debt commitments.

What are the benefits of a Debt Relief Order?

Below are the main advantages of entering into a DRO. To learn more, please get in touch.

Make no repayments – make no repayments towards the debts included in your DRO.
Lasts for 12 months – debts covered by your DRO are written off after only 12 months.
No more charges or interest – charges and interest are frozen.
Stop creditor contact – legal protection stopping your creditors taking any further action against you.

What are the Debt Relief Order considerations?

Below are the main disadvantages of entering into a DRO. To learn more and see how a DRO could impact you, please get in touch.

Credit rating affected – as with any formal debt solution, your credit rating will be affected for 6 years.
Public register -details of your DRO will be entered onto a public register.
Can’t include all debts – not all debts can be included in a DRO – any debts not covered will need to be dealt with separately.
Not available to homeowners – if you own your own home you will not be eligible for a DRO.

Debts we can help with

This is not a full list of the debts that can be included in a Debt Relief Order, please get in touch to see what other debts can be included.

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A DRO may not be suitable in all circumstances. Fees and disadvantages may apply, learn more here.

5 Star Rated on Feefo

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What our customers say about us

I have been struggling by myself for years with debt, and when I finally reached boiling point I got in touch with Advice Centre Group. Every person I have spoken to has been polite and patient. Especially Tom Doherty. What an absolute star who has gone above and beyond for me, I will honestly never forget the help, guidance and advice he's given me. I am now on a path to being debt free and it is down to the professionalism and kindness of the Advice Centre Group.

Excellent company thank you for all the help to get me on right track

Absolutely fantastic service the team has been great right from the start from my first phone call with them. Such a huge weight has been lifted that I’ve been carrying by for a long time.

I have delt with Joel and Carl. they are very knowledgeable, supportive and have your best interest at hear. Highly recommend this company they really care for people. Thank you for your help!

How much would my repayments be if I enter into an IVA?

If you have more than £6,000 debt and can afford to make a regular monthly repayment towards clearing them, there is a good chance that an IVA would be a good solution for you.

With an IVA you make a single monthly, affordable repayment towards all included debts for, typically, a 5 year period. After this time any remaining debts are usually written off in full.

Repayments based on what you can afford and NOT what you owe.

A real life IVA example* –

Total debt – £15,461

Old repayment - £830

New repayment - £125

* We assess each customer individually based on their circumstances and payments to the IVA are based on what is realistic and affordable.

Frequently Debt Relief Order asked questions.

Is a Debt Relief Order suitable for me?

A Debt Relief Order creates a legally binding agreement between you (the debtor) and the people/companies you owe money to (your creditors).

If you do not have enough money left over at the end of each month to repay your debts once all of your living expenses have been paid, a DRO could be suitable for you.

Could there be an impact on my job?

In general, a Debt Relief Order will not have any impact on your job. However, in some professions, such as accountancy and solicitors, entering into a debt management solution could mean that you are unable to practice or will be able to only under certain conditions.

Will my credit score be impacted?

All debt solutions will have an impact on your credit score.

Details of your debt solution will be entered onto your credit record and will remain there for a period of usually 6 years.

What fees apply?

As of June 28, 2024, there is no fee for applying for a Debt Relief Order.