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Debt Relief Orders (DRO) Explained

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By David Turner

How you can use a Debt Relief Order to support you when you’re struggling to pay essential bills and debts.

Published: 12/02/2025 – 11:59 | Updated: 12/02/2025 – 16:10

Motivated by Refunds

Debt Relief Order (DRO) — The Financial Reset Button

Listen up. A DRO is your shot at hitting the reset when life’s debts got you pinned down. Freeze your payments. No hassle. After 12 months? Debt gone. Clean slate.

Key Moves

  1. No Monthly Payments — That’s right. 12 months with zero payments.
  2. Legal Shield — Creditors can’t chase you, sue you, or send bailiffs.
  3. Debt Wiped Clean — After a year, those debts? Poof. Gone.
  4. Credit Score — Yeah, it takes a hit for 6 years, but stability beats stress every time.

Can You Rock This?

Here’s the drill — all these must be true:

  • Total debts under £50k — no slacking.
  • No house or mortgage — keep it simple.
  • Assets under £2k (cars under £4k allowed) — minimal gear only.
  • Less than £75 spare cash every month after bills — tight budget.
  • No DRO in the last 6 years — one reset every so often.

Heads up: Student loans, court fines? Not in this game.

The 12-Month Grind

  • No creditor calls. No payments. Total peace.
  • Major life changes like pay bumps or inheritances? Report it, or risk losing the DRO.
  • After 12 months, debts vanish with no second-guessing.

Who’s This For?

  • Low income warriors, especially those living off benefits.
  • Pensioners, carers, or anyone battling long-term financial storms.

How to Get Started

  1. Hit up Citizens Advice or National Debtline. They’re legit.
  2. Debt pros check if you qualify, gather your facts, and submit your app.
  3. Fast approval — usually 2 working days.

Bottom line: If your finances are crushed, a DRO is your alpha move to break free. But remember — get the right advice, plan smart, and crush your comeback.

Where you forced to take out additional loans due to irresponsible lending?

How much interest are you paying?

Please remember there may also have been fees added to the finance too.

There are three less common debt solutions to consider. Full & Final Settlements are ideal if you’ve been on a Debt Management Plan (DMP) or unable to make payments for some time and now have access to a lump sum to negotiate settlements. Write-off debts are usually only an option in exceptional circumstances, as creditors rarely agree to this. Administration Orders, once more common, are now extremely rare, with only 16 issued in England and Wales in September 2016.

Find the potential cost of your finance

£

**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.

Period Payment Interest Balance

Calculator Disclaimer

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, claim approval, agreement or advice by Financial Claims Experts. It does not take into account your personal or financial circumstances.

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Know the rules. Own the game.

This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.

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    No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute.
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    This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest.
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    We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before.
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    This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.


✔️

Listen up: How this website & forum rolls


⚔️

Know the rules. Own the game.

This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.

  • No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute.
  • This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest.
  • We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before.
  • We link to other sites when it’s useful — but we don’t babysit their content. Click smart.
  • This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.