A Debt Relief Order ("DRO") is a process that allows you to deal with certain debts and may be available to you if you:
If a DRO is approved, you make payments towards certain debts, with the balance of those debts being written off at the end of the process. A DRO usually lasts 12 months but can be amended if your position improves.
A DRO application must be made together with a special DRO adviser. The application is submitted to the Official Receiver, for which there is a £90 charge. A DRO adviser cannot charge you for their assistance in completing the application.
Further information on DROs and details of your closest special adviser can be found at https://www.gov.uk/government/publications/getting-a-debt-relief-order/getting-a-debt-relief-order#find-a-debt-adviser.
For alternative options regarding personal finances, please see our Personal Insolvency page.