When you're struggling with unmanageable debt and have little to no income or assets, it can feel like there’s no way out. But for many in England, Wales, and Northern Ireland, a Debt Relief Order (DRO) could be the affordable and stress-free solution they've been looking for.

What is a DRO?

A Debt Relief Order is a formal debt solution aimed at individuals with low income, minimal assets, and debts they simply cannot repay. Introduced by the government, a DRO offers legal protection from creditors and allows qualifying debts to be written off after 12 months, giving you a fresh financial start.

Who Qualifies for a DRO?

To be eligible for a DRO, you must meet specific criteria, including:

Owing less than £30,000 in unsecured debts


Having assets worth less than £2,000 (including a car worth no more than £2,000)


Monthly disposable income under £75


Living in England, Wales, or Northern Ireland


Not owning a home


Not having had a DRO in the past 6 years


How Does It Work?

Once your DRO application is approved, creditors included in the order are legally prevented from taking any action to recover debts. You don’t make monthly payments, and after 12 months, if your financial situation hasn’t improved, your listed debts are written off completely.

What Debts Can a DRO Cover?

A DRO typically covers:
Credit cards and loans


Utility arrears


Overdrafts


Council tax debt


Benefit overpayments


Store cards and catalogues


However, it does not cover:
Student loans


Court fines


Child maintenance arrears


Secured debts like mortgages


Is a DRO Right for You?

A DRO is a powerful tool, but it's not for everyone. If you have a stable income or valuable assets, other debt solutions like an IVA or Debt Management Plan might be more suitable. At StepAwayDebt.com, our debt experts are here to guide you through your options and help you make the right decision for your future.

Take the First Step Toward Financial Freedom

If you think you may qualify for a DRO, don’t wait. Contact StepAwayDebt today for free, confidential advice. We’ll review your situation, explain your options, and help you take control of your financial future—one step at a time.

For more information visit our website: stepawaydebt.com