Debt Help You Can Trust

  • Caring, professional, and confidential
  • FCA regulated
  • Full advice on all debt solutions
  • Here to help you achieve the best outcome
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May not be suitable in all circumstances. Fees apply. Your credit rating may be affected.

MoneyHelper is a Government-backed service that gives guidance on a range of money matters. Click here to learn more

Debt Relief Orders (DRO)

​If you cannot afford to pay back your debts

You can apply for a Debt Relief Order (DRO) if you cannot afford to pay back your debts. It is granted by the Insolvency Service. A DRO has strict criteria and is only available in certain circumstances.

A Debt Relief Order (DRO) is a formal insolvency process that can help you deal with your debts if you owe less than £50,000, don’t own your home and have little spare income.

DROs are an alternative debt solution to bankruptcy and usually last one year (12 months). Once you are in a DRO creditors are unable to recover their money without permission from the courts. Once discharged from your DRO, all the debts listed in your DRO will be cleared.

You don’t have to face debt alone.

We’re here to help you take back control - calmly, quickly, and without judgment.

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"What are the pros and cons of a DRO?"

Pros

  • Debts written off after 12 months
  • Creditors can’t chase you or take action during the DRO
  • No monthly payments while it’s active
  • Much cheaper than bankruptcy

Cons

  • You must meet strict eligibility rules (low debt, low assets, low income)
  • Appears on the public Insolvency Register for the 12 months
  • Your credit file is affected for 6 years
  • You can’t apply for credit over £500 without telling the lender
  • If your income improves within 12 months, the DRO can be cancelled

"How do I apply for a DRO?"

Only an approved debt charity or adviser (called an “Approved Intermediary”) can apply for a DRO.

 Dexter Bell will:

  • Assess if you qualify
  • Explain what it means for you
  • Signpost you to the right debt charity or specialist to apply on your behalf
Do I Qualify?