If you're struggling with low income and can't afford to repay your debts, a Debt Relief Order (DRO) could be the right solution. Introduced by the UK government, a DRO is designed to help individuals with relatively low debt, little income, and no significant assets to become debt-free.

How Does a DRO Work?

A DRO is a formal debt solution that lasts for 12 months. During this time:
You don’t have to make any payments toward the debts included.


Your creditors can’t contact you or take legal action.
If your situation hasn’t improved after a year, your debts are written off completely.


What Debts Can Be Included?

A DRO covers most common types of unsecured debts, such as:
Credit cards and loans


Overdrafts
Council tax arrears
Utility bills
Benefit overpayments


However, DROs do not cover:

Student loans
Court fines
Child maintenance
Certain types of car finance (like HP if the vehicle is not returned)


Benefits of a DRO

No payments required during the 12-month period
Stops creditor harassment and legal action
Most debts are written off after a year
Affordable – application fee is £90

Things to Consider

Your credit score will be affected for 6 years.
You can’t obtain more than £500 credit without telling the lender about your DRO.
It may impact employment in certain sectors (e.g. financial services).


How to Apply for a DRO

You must apply through an approved debt advisor known as an Approved Intermediary. At Step Away Debt, we can guide you through every step of the process – from checking your eligibility to submitting your application.

Is a DRO Right for You?

A DRO is an excellent option if you’re on a low income and have little to no assets. It offers a fresh start with no repayments and full debt write-off after just 12 months.

Let Step Away Debt help you step away from the stress of unmanageable debt. Our experienced advisors are ready to assess your situation and find the best solution tailored to you.

Get in Touch Today

If you think a DRO might be the solution you’ve been looking for, contact us at Step Away Debt for free, confidential advice. Let us help you take the first step toward a debt-free future.

For more information visit our website: https://stepawaydebt.com/