Relief Order

A Debt Relief Order (DRO) is for those with debts of £20,000 or less with little to no income. 

A DRO is set up through the Insolvency Service and DRO advisor and it allows for debts to be paused for up to a period of 12 months. Once you are in a DRO you cannot be forced to make payments to your creditors and they cannot contact you about the debts.


You will be charged a fee of £90 to apply for a DRO but this does not have to be paid in one lump sum. Applications cannot be progressed until this fee has paid.


If you are still unable to pay your debts after the 12-month period, the debts will be written off and you won’t need to make payments towards them again.


A DRO is only available in England, Wales and Northern Ireland. Those seeking help in Scotland may be able to apply for a similar solution called a Minimal Asset Process (MAP).

Advantages of a DRO

  • A DRO is a low-cost alternative to bankruptcy.
  • Your creditors cannot contact you for your debts during the 12-month period.
  • You will not pay anything towards your debts for 12-months. If you are unable to pay after the 12-months, the debts will be written off.
  • You will not need to appear in court if you enter into a DRO.

Disadvantages of a DRO

  • You can only apply for a DRO if you owe less than £20,000 and if you live in England, Wales and Northern Ireland.
  • You need to pay a £90 fee to the Insolvency Service and this is non-refundable.
  • You cannot apply if you’re a homeowner.
  • Your credit rating will be affected and a DRO is visible on a public register.

Get in touch with us about a DRO today


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