apply for a dro online

Find a DRO adviser for apply for a dro online, work with the DRO adviser to complete your application, pay the money, and wait for a decision from the official receiver.

How to Request a Debt Relief Order

• Make sure you’re eligible.
• Double-check that it is the best solution for you.
• Submit your application in its entirety.
• Complete the application process by paying the £90 application cost.
• Submit an application to the Insolvency Service.

Debt Relief Order (DRO) stop bailiffs

Most creditors included in your DRO will not be able to take action against you if you have a DRO. Some creditors, such as those who owe you money for rent or a hire purchase agreement, may still pursue you.

Your DRO will not prevent a bailiff from taking and selling your items if you’ve reached a payment agreement with them, such as a controlled goods agreement. If you wish to keep these items, you must continue to make the payments you’ve agreed to.

Requesting a DRO

Only a ‘authorised intermediary’ can apply for a DRO on your behalf. This is a licenced debt adviser who will submit the application on your behalf. Look for a debt adviser.

Free DRO Consultation

If you’re thinking of filing for a DRO, get in touch with one of our DRO specialists or online advisers for advice on how to handle your debts.

Debts to be considered

Contact us for help if you’re not sure which debts to mention in your DRO application.

Debts that are not included

Some debts are exempt from the £30,000 maximum, although they must still be listed in the DRO application. This implies you’re still responsible for paying off your debts in full. You are not permitted to include:fines imposed by magistrates’ courts; payments and arrears owed to the Child Support Agency (CSA) and the Child Maintenance Service (CMS); student loans; budgeting and crisis loans; money owed under a ‘criminal confiscation order’; and debts incurred as a result of certain personal injury claims filed against you.

Who is it for?

If you owe less than $50,000 in unsecured debt, you can receive a DRO.

You must not be able to pay off those bills right now, but you should be able to make some payments on them over time.

Use our payback calculator to figure out what your DRO repayments will be.

This section of the text provides a summary of the application procedure.

The Consequences of a Debt Relief Order

The applicant must do the following during the year that a Debt Relief Order is in effect: You will be debt-free at the end of the period (normally 12 months from Order). They should make provisions to repay their creditors if their financial status improves.

Related blog : step change scotland

Which debts am I unable to repay through a Debt Relief Order?

The following debts are not eligible for a Debt Relief Order:

• loans for students
• Child support and maintenance arrears are fined by the magistrates’ court as a result of Social Fund loan seizure orders.
• Get in touch with a free debt specialist to find out what debts you can and can’t include in a DRO.