A Debt Relief Order (DRO) is a formal debt solution designed for people with low income, limited assets, and debts they cannot realistically afford to repay. It can provide legal protection from creditors by pausing repayments, interest, and collection activity for a set period, usually 12 months.
If your financial situation has not improved during that time, the debts included in the DRO are normally written off at the end of the period.
To qualify for a DRO, you must meet specific eligibility requirements. This generally includes having total debts below a set limit, owning only limited assets, and having little disposable income left each month after essential living costs have been covered.
Debt Relief Orders may not be suitable for everyone. Fees may apply, and entering a DRO could affect your credit rating.
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