The Debt Relief Order (DRO) is a government debt help scheme. It is a form of insolvency for people that have:

• a certain amount of debt (Below £15000)
• little disposable income (Below £50 per month)
• and few assets (less than £300)

The Debt Relief Order (DRO) government debt help scheme will help resolve your debt problems without a personal appearance at court.

What are the requirements for a debt relief order?

The requirements for Debt Relief Orders (DROs) Government debt help scheme are detailed below:

• You must be unable to pay you debts;
• Your unsecured debts must not exceed £15,000;
• Your gross assets must not exceed £300;
• Your disposable income, following all your household deductions must not exceed £50 per month.
• You must be domiciled in England or Wales, or in the last 3 years have been resident or carrying on business in England or Wales.
• You must not have previously been subject to a Debt Relief Order (DRO) within the last 6 years. 
• You must not be involved in another formal insolvency procedure or government debt help scheme at the time of application for a DRO, such as:
• An undischarged bankrupt;
• A current Individual Voluntary Arrangement (IVA)
• A current Bankruptcy Restrictions Order or Undertaking;
• A current Debt Relief Restrictions Order or Undertaking;
• An interim order
• A current pending debtor’s bankruptcy petition in relation to the debtor but the debtor has not been referred to the DRO procedure by the court as a more suitable method of debt relief;
• A current pending creditor’s bankruptcy petition against the debtor but the debtor has not obtained the creditor’s permission for entry into the DRO process.