Write off your debts after 12 months with a Debt Relief Order
A DRO is designed for people with low income and few assets. Pay a single £90 fee, make no monthly payments, and after 12 months your qualifying debts are written off completely.
- £90
- Total cost
- 12 months
- To debt free
- £30k
- Max debt
- £0/month
- Payments
The advantages
Why choose a Debt Relief Order
Debts written off in 12 months
After just 12 months, all debts included in your DRO are written off completely. No further payments required.
No monthly payments
Unlike other debt solutions, a DRO requires no monthly payments. Your debts are frozen for the full 12-month period.
Just £90 to apply
The total cost of a DRO is a single £90 fee. There are no ongoing adviser fees or hidden charges.
Legal protection from creditors
Once approved, your creditors must stop all contact and enforcement action. You are legally protected for the full 12 months.
Interest and charges frozen
No new interest, penalty fees, or default charges can be added to your qualifying debts during the moratorium.
Free advice and application help
Our initial advice is completely free. An authorised debt adviser handles your entire application to the Insolvency Service.
How it works
Your route to debt-free
Day 1
Free assessment
A qualified debt adviser reviews your income, outgoings, debts, and assets at no cost. We explain whether a DRO is right for you — with no pressure and no obligation.
Week 1–2
Application prepared
Your authorised debt adviser completes your DRO application and submits it to the Insolvency Service on your behalf. You do not need to deal with the Insolvency Service directly.
Month 1
DRO approved
Once the Insolvency Service approves your application, a 12-month moratorium begins. Your creditors must stop all contact and enforcement action immediately.
Month 12
Debts written off
After 12 months, your DRO ends and all debts included in the order are written off entirely. You get a genuine fresh start with no remaining balance to pay.
Check your eligibility
Is this right for you?
You’re likely a fit if…
- Your total debts are under £30,000
- Your assets are worth less than £2,000
- Your surplus income is under £75 per month
- You do not own your home
- You are a UK resident (England, Wales, or Northern Ireland)
It may not be right if…
- You own your home or have significant property
- Your total debts are over £30,000
- You have assets worth more than £2,000
- You have had a DRO in the last 6 years
- You are running a business or are self-employed with significant assets
Questions
Questions, answered honestly
2-minute check
Struggling with debt? See your options in 2 minutes.
Free, confidential and non-judgmental. Start by telling us roughly how much you owe.
No obligation · Won’t affect your credit score