Our Services

Debt Relief Order

A debt relief order is a form of bankruptcy where debts are written off within 12 months.

It stops any legal action again you, stops creditor and bailiff contact and hassle.

To qualify for this help you cannot:

  • Have any assets worth more than £2,000
  • Have any Debts of £30,000 or over
  • Have a disposable income more than £75
  • Live in Scotland
  • Have had a DRO within 6 years.

Pros Vs Cons


  • The duration of the DRO is usually 12 months
  • You do not need to make any payments into the DRO
  • Creditors cannot take further action against you without permission from the Court
  • The fee for entering into a DRO is £90, no other fees are available


  • Your credit rating will be affected for 6 years.
  • You will not be able to get a Debt Relief Order if you have assets worth £1,000 or more or own a property
  • If your circumstances change and you can afford to make repayments or you fail to cooperate, the DRO may be revoked
  • Your details will be added to the Register

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