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100% of qualifying debts written off*

  • No repayments for 12 months
  • No fees (completely free)
  • Offers a fresh start
Do I Qualify?

*May not be suitable for all. Write off based on individual circumstances.

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. 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 (less than £75).

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.

Find Out If You Qualify

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
  • Most debt can be included

Cons

  • You must meet strict eligibility rules (low assets, little spare 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
  • You cannot include magistrates court fines, child support or student loans

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 a debt charity or specialist to apply on your behalf

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Call us at 0161 802 3102 or fill out our form, and we’ll contact you as soon as possible.