Debt Relief Orders are designed to help the people in England and Wales who are worst off, resolve their debt problems.  Typically this includes those who are reliant on benefits or have an extremely low income.

Debt Relief Orders are suitable for people with serious debt who have little or no disposable income or assets.

Where to start

• Choose the solution – Use the “Which way should I turn” form to get your FREE DEBT REPORT
• Ask the experts – use the Beat My Debt Forum
• Call us now – speak to one of our advisors in confidence to see if a debt relief order is right for you.

Take the first step to beating your debt NOW – Call us free on 0800 077 6180

Similar protection to that of bankruptcy

A Debt Relief Order works in a similar way to that of Bankruptcy. Once the Order is granted, the individual will no longer be responsible for paying their debts and Creditors can no longer pursue them for repayment.

People who use a debt relief order are not normally required to make any payments towards their debt. The duration of the order is 1 year, at the end of which the debt owed will be discharged leaving the individual debt free.

Debt Relief Orders do not involve the courts. They are run by The Insolvency Service in partnership with approved debt advisers and the Official Receiver.

What if personal circumstances improve?

As with Bankruptcy, in order to obtain a Debt Relief Order and during its existence, the individual will be obliged to provide information about their personal circumstances and co-operate with the Official Receiver. If the Official Receiver decides that monthly repayments are required, then these must be paid.

If the individual’s circumstances change for the better during the order, then they will be required to increase their monthly payments to creditors or even settle in full in the case of receiving a windfall which could make this possible.