A Debt Relief Order or DRO is an alternative solution to Bankruptcy. If you owe less than £20,000 and cannot repay back your debts then this could be a viable option as oppose to Bankruptcy. Similar to Bankruptcy is is mainly considered as a last resort. If you own your own home then you will not qualify for a debt Relief Order.

A DRO applies to all living in England, Wales and Northern Ireland. If you reside in Scotland you may want to consider a Minimal Assets Process (MAP). The fee for a Debt relief order is £90. In order to qualify for a Debt relief Order your monthly budget should show little or no disposable income to pay back to your debts.

The DRO will last up to 12 months and then you will be discharged. If your circumstances change your DRO could fail and be made to pay back the debts.

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