DRO. Which debts are not included in a debt relief order?

A debt relief order (DRO) is a debt solution for people who are not home owners, are on a low income, have few assets and debts less than £50,000.

Your debts are written off after 12 months if your financial situation does not improve. This is the ‘moratorium period’.

Not all debts can be included in a debt relief order. You must keep paying these.

Debts excluded from a debt relief order

These types of debt cannot be included in a DRO:

• All student loans (old and new styles)
• Debts to the Child Maintenance Service
• Social fund loans
• Criminal fines (including debt incurred under the Proceeds of Crime Act)
• Claims against you for damage or personal injury
• TV Licence arrears

Most other debts can be included in a DRO.

Is a debt relief order right for you?

Our confidential, online debt advice service can find the best options for your situation.

There may be better solutions for you than a DRO. We can help you find the right one for you.