Debt Relief Order
Write off debts under £30,000 if you have little spare income and don't own your home. Lasts 12 months.
- FCA regulated
- Always free
- 3m+People helped
- 4.5/5Trustpilot
- 30+Years helping
DRO at a glance
Good ifYou owe under £30,000 with no spare income
Cost£90 application fee
How long12 months
Worth knowingDebts written off after 12 months
Is a DRO available to you?
A DRO may suit you if…
- ✓You owe less than £30,000
- ✓You have less than £75 spare income per month
- ✓You don't own property
- ✓You haven't had a DRO in six years
Things worth knowing
- —£90 application fee
- —Must apply through an approved intermediary
- —Credit rating affected for six years
- —Cannot be a company director
How it works
1
Tell us about your situation
Answer a few simple questions about your income, outgoings and debts. Online, by phone, or on WhatsApp.
2
Find what you can afford
We work out a realistic budget and show you the options that fit your circumstances.
3
Know your next step
Choose the solution that feels right. We handle everything with your creditors.
Real stories
★★★★★“PayPlan helped me understand all my options without any pressure. I didn't even know a DRO existed before I spoke to them.”
★★★★★“After my IVA completed I felt like a weight had been lifted. The team were supportive through the whole five years.”
★★★★★“I was dreading making the call but they made everything so easy. Within weeks I had a plan and could sleep at night again.”
Is this right for you?
| DMP | IVA | DRO | Bankruptcy | |
|---|---|---|---|---|
| Legally binding | No | Yes | Yes | Yes |
| Debt outcome | Repay in full | Partial write-off | Full write-off | Full write-off |
| Monthly payments | Reduced | Fixed | None | Possible |
| Home impact | None | Equity release possible | Must not own | May be sold |
| Public register | No | Yes | Yes | Yes |