Debt Relief Order

Debt Relief Orders (or DROs) were introduced in April 2009 in the UK (but not in Scotland, where an alternative procedure is available) to provide a new form of debt relief for over-indebted individuals in England and Wales. They are suitable for people who do not own their own home, have little surplus income or assets and have a limited amount of debt – currently of less than £20,000 in England and Wales and less than £15,000 in Northern Ireland.


A DRO lasts for 12 months, during which time creditors named on the order cannot take any action to recover their money without permission from the court. At the end of the period, as long as the individual’s circumstances have not changed, the debts included in the order are written off.


DROs do not involve the courts, but are run by The Insolvency Service in partnership with skilled debt advisers, called approved intermediaries, who will help you apply to The Insolvency Service for a DRO.


There are free debt counselling and debt adjusting services that are available to you and you can find out more by contacting the Money Advice Service. You can follow this link for more information: