Write off 100% of debt with
a Debt Relief Order

Write off 100% of debt with a
Debt Relief Order

1 A DRO typically lasts for 12 months A DRO typically lasts for 12 months
2 You make no repayments during this period You make no repayments during this period
3 You could write off all your unsecured debts You could write off all your unsecured debts

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Whatever your circumstances,
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How does a DRO work?

A debt relief order allows you to freeze your debts for 12 months. If your circumstances haven’t changed after this time, your debts will be written off.
What Debts does a DRO cover?

A DRO covers unsecured debts such as credit cards, payday loans, store cards, personal loans etc. During the 12-month period, all repayments along with interest and fees are paused.
How much does a DRO cost?

It’s free to apply for a debt relief order in England and Wales. You can submit an application and no fee is applied.
Things to consider

With any debt solution, your credit rating may be affected. Not all debts can be included in a DRO. It’s important you get advice from a debt advisor. A DRO is not available to homeowners.

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Customer Reviews

“Reaching out for debt advice was a huge step for me, and I’m so glad I did. Sarah made me feel comfortable throughout the entire process and did everything she could to make the experience as smooth and stress-free as possible. I would definitely recommend to anyone who’s feeling uncertain about seeking debt advice.”

James Smith

“I was embarrassed about being in debt and reaching out for help with debt, but the first call put me at ease. They created a realistic payment plan that worked for me. If you're struggling, reach out to them—they truly care and want to help. I wish I contacted them sooner.”

Andrea Jones

“From the first call, I was treated with respect and the advisor was non-judgmental, giving me plenty of time to explain my situation and find the best solution for my debt. It was such a relief. For the first time in ages, I wasn’t afraid when another debt collector's letter arrived. It wasn’t always easy to work within our budget, but it was definitely worth it.”

Amanda Horton