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$page_title = "Debt Relief Order (DRO) UK - DebtClearPlans";
$page_description = "Learn how Debt Relief Orders work in the UK, DRO eligibility criteria, pros and cons, and how DRO compares with IVA, DMP and bankruptcy.";
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<h1>Debt Relief Order (DRO)</h1>
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<p style="font-size:18px;color:#3c4f54;max-width:700px;margin:0 auto;">A low-cost insolvency option for people with low income, minimal assets, and qualifying debt levels. Strict criteria apply.</p>
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<a href="index.php">Home <i class="fa-solid fa-angle-right"></i> <span>DRO</span></a>
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<h2 class="text-anime-style-3" style="color:var(--ztc-text-text-5);font-size:32px;line-height:42px;margin-bottom:16px;">What is a Debt Relief Order?</h2>
<p>A <strong>Debt Relief Order (DRO)</strong> is a formal insolvency solution for people with low disposable income and limited assets. If approved, you get a 12-month moratorium period where included creditors cannot pursue payment. At the end, qualifying debts are usually written off.</p>
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<p>DROs are available in England, Wales, and Northern Ireland through an approved intermediary. They are often described as a lower-cost alternative to bankruptcy for people who meet the criteria.</p>
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<h2 style="color:var(--ztc-text-text-5);font-size:28px;line-height:38px;margin-bottom:16px;">Typical DRO eligibility (summary)</h2>
<p>DRO eligibility thresholds can change over time. A regulated provider will confirm current limits and whether you qualify.</p>
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<li style="padding:10px 0;border-bottom:1px solid rgba(21,63,70,0.08);display:flex;gap:12px;align-items:flex-start;"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);margin-top:3px;flex-shrink:0;"></i><span>You owe below the maximum unsecured debt limit for DROs</span></li>
<li style="padding:10px 0;border-bottom:1px solid rgba(21,63,70,0.08);display:flex;gap:12px;align-items:flex-start;"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);margin-top:3px;flex-shrink:0;"></i><span>You have little or no surplus income after essential living costs</span></li>
<li style="padding:10px 0;border-bottom:1px solid rgba(21,63,70,0.08);display:flex;gap:12px;align-items:flex-start;"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);margin-top:3px;flex-shrink:0;"></i><span>Your assets are below the permitted asset limits</span></li>
<li style="padding:10px 0;border-bottom:1px solid rgba(21,63,70,0.08);display:flex;gap:12px;align-items:flex-start;"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);margin-top:3px;flex-shrink:0;"></i><span>You are not currently in another formal insolvency process</span></li>
<li style="padding:10px 0;display:flex;gap:12px;align-items:flex-start;"><i class="fa-solid fa-check" style="color:var(--ztc-text-text-2);margin-top:3px;flex-shrink:0;"></i><span>You have lived or done business in the UK recently (jurisdiction rules apply)</span></li>
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<h2 style="color:var(--ztc-text-text-5);font-size:28px;line-height:38px;margin-bottom:16px;">How a DRO works</h2>
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<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea"><div class="icons"><i class="fa-solid fa-id-card"></i></div><div class="space16"></div><h3 style="font-size:17px;margin-bottom:8px;">1. Eligibility check</h3><p>A debt adviser confirms whether you meet DRO criteria and gathers evidence.</p></div></div></div>
<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea"><div class="icons"><i class="fa-solid fa-file-circle-plus"></i></div><div class="space16"></div><h3 style="font-size:17px;margin-bottom:8px;">2. Application submitted</h3><p>An approved intermediary submits your DRO application to the Insolvency Service.</p></div></div></div>
<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea"><div class="icons"><i class="fa-solid fa-hourglass-half"></i></div><div class="space16"></div><h3 style="font-size:17px;margin-bottom:8px;">3. 12-month moratorium</h3><p>Included creditors are generally prevented from enforcement while your DRO is active.</p></div></div></div>
<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea"><div class="icons"><i class="fa-solid fa-sliders"></i></div><div class="space16"></div><h3 style="font-size:17px;margin-bottom:8px;">4. Circumstances monitored</h3><p>If your financial situation improves significantly, your DRO may be reviewed.</p></div></div></div>
<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea"><div class="icons"><i class="fa-solid fa-circle-check"></i></div><div class="space16"></div><h3 style="font-size:17px;margin-bottom:8px;">5. Debts written off</h3><p>If your DRO completes successfully, qualifying debts are usually written off at month 12.</p></div></div></div>
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<h2 style="color:var(--ztc-text-text-5);font-size:28px;line-height:38px;margin-bottom:24px;">DRO pros and cons</h2>
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<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea" style="border-top:3px solid var(--ztc-bg-bg-3);"><h3 style="font-size:18px;margin-bottom:16px;color:var(--ztc-text-text-2);"><i class="fa-solid fa-thumbs-up" style="margin-right:8px;"></i>Potential benefits</h3><ul style="list-style:none;padding:0;"><li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>Can write off qualifying debts in 12 months</li><li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>Lower-cost formal solution</li><li style="padding:8px 0;font-size:15px;"><i class="fa-solid fa-circle-check" style="color:var(--ztc-text-text-2);margin-right:8px;"></i>Stops most included creditor action</li></ul></div></div></div>
<div class="col-lg-4 col-md-6" style="margin-bottom:24px;"><div class="service-inner-section-area"><div class="service3-single-boxarea" style="border-top:3px solid #e07070;"><h3 style="font-size:18px;margin-bottom:16px;color:#a04040;"><i class="fa-solid fa-triangle-exclamation" style="margin-right:8px;"></i>Key limitations</h3><ul style="list-style:none;padding:0;"><li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>Strict debt, income, and asset limits</li><li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>Listed on a public insolvency register</li><li style="padding:8px 0;border-bottom:1px solid rgba(21,63,70,0.06);font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>Credit file impact for 6 years</li><li style="padding:8px 0;font-size:15px;"><i class="fa-solid fa-circle-xmark" style="color:#c05050;margin-right:8px;"></i>Cannot apply if criteria are not met</li></ul></div></div></div>
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<h2 style="color:var(--ztc-text-text-5);font-size:28px;line-height:38px;margin-bottom:24px;">DRO FAQs</h2>
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<div class="accordion-item"><h2 class="accordion-header"><button class="accordion-button" type="button" data-bs-toggle="collapse" data-bs-target="#droFaq1" aria-expanded="true" aria-controls="droFaq1">How much debt do I need for a DRO?</button></h2><div id="droFaq1" class="accordion-collapse collapse show" data-bs-parent="#droFaqAccordion"><div class="accordion-body"><p>DRO debt limits are set by regulation and can change. A regulated adviser will confirm the current threshold and your eligibility.</p></div></div></div><div class="space16"></div>
<div class="accordion-item"><h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#droFaq2" aria-expanded="false" aria-controls="droFaq2">Can creditors chase me during a DRO?</button></h2><div id="droFaq2" class="accordion-collapse collapse" data-bs-parent="#droFaqAccordion"><div class="accordion-body"><p>Once approved, creditors included in the DRO are generally prevented from taking enforcement action during the moratorium period.</p></div></div></div><div class="space16"></div>
<div class="accordion-item"><h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#droFaq3" aria-expanded="false" aria-controls="droFaq3">Can a DRO be cancelled?</button></h2><div id="droFaq3" class="accordion-collapse collapse" data-bs-parent="#droFaqAccordion"><div class="accordion-body"><p>Yes, in some circumstances, such as inaccurate information or significant positive changes in finances during the moratorium.</p></div></div></div><div class="space16"></div>
<div class="accordion-item"><h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#droFaq4" aria-expanded="false" aria-controls="droFaq4">Is a DRO better than an IVA?</button></h2><div id="droFaq4" class="accordion-collapse collapse" data-bs-parent="#droFaqAccordion"><div class="accordion-body"><p>Neither is universally better. DROs suit people with low income/assets. IVAs suit people able to make monthly payments over several years.</p></div></div></div>
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<h3 style="font-size:22px;color:var(--ztc-text-text-5);margin-bottom:12px;">Check if you meet DRO criteria</h3>
<p>DebtClearPlans is an introducer and lead generation service. We are not authorised to provide regulated debt advice ourselves. We connect you with FCA-authorised partners who can assess your full eligibility.</p>
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<p style="font-size:14px;color:#51656a;">Your first call is free, confidential, and no-obligation. Debt solutions are not suitable for everyone.</p>
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