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Debt Relief Order

Parker Andrews offers comprehensive services for individuals considering a Debt Relief Order (DRO), a formal debt solution designed for those facing significant financial difficulties. Understanding the complexities of financial challenges, we provide clear, empathetic guidance to help you find a path to financial stability.

What is a Debt Relief Order?

A DRO is a debt solution in the UK intended for individuals with low income, minimal assets, and unmanageable debt. It effectively freezes debt repayments and interest for a period of 12 months, after which, if your financial situation hasn’t changed, your debts are written off.

Benefits of a Debt Relief Order

Debt Freeze: Stops most creditors from taking action against you for a year.
Financial Relief: Potential for debts to be written off after the DRO period ends.
Low Cost: Compared to other debt solutions, a DRO is relatively inexpensive to set up.
No Direct Repayments: You are not required to make payments towards your debts during the DRO period.

Step by Step Process of a Debt Relief Order

  • Step 01
  • Step 02
  • Step 03
  • Step 04
  • Step 05
  • Step 06
Initial Assessment

Contact Parker Andrews for a confidential assessment to determine if you meet the criteria for a DRO.

Gather Financial Information

We help you compile detailed information about your debts, income, assets, and living expenses.

Application Preparation

Our team assists in preparing and submitting your DRO application to the Insolvency Service.

Official Receiver Review

The Insolvency Service reviews your application and, if accepted, appoints an Official Receiver to manage your case.

DRO Period Begins

From the date of approval, your DRO period starts, during which creditors cannot pursue you for debt repayments.


After 12 months, if your financial situation hasn’t improved, most debts included in the DRO are discharged.


Am I eligible for a Debt Relief Order?

Eligibility depends on your debt level, assets, income, and living expenses. Generally, your debts must be under a certain threshold, and you must have little disposable income and minimal assets.

What debts can be included in a DRO?

Most unsecured debts like credit cards, personal loans, and utility arrears can be included. Secured debts and certain types of debts like court fines and student loans are not covered.

What are the restrictions during a DRO?

During a DRO, you are subject to certain restrictions, such as not obtaining credit over a set amount without disclosing your DRO status.

Considering a Debt Relief Order as a solution to your financial struggles?

Contact Parker Andrews for personalised advice and assistance in navigating the DRO process. Get in touch with us for a confidential, no-obligation consultation.

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