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How a DRO can bring debt relief in more than one sense

One of our clients, Christine*, is a good example of someone benefitting from a debt relief order (DRO).

The rules around DROs have changed since we helped Christine. In England and Wales, there is no fee to apply for a DRO as of April 6th, 2024. In Northern Ireland, there is no fee to apply for a DRO as of June 17th, 2024.

Christine’s financial difficulties originated while in a relationship with someone who didn’t manage money well, and escalated due to having to move when the relationship broke down.

Like so many people, Christine tried to manage and get by for a long time before seeking help. Finally, she was advised to contact StepChange and taken through the debt advice process which resulted in a DRO being recommended.

Christine said:

“So with applying for the DRO, I had help to work out a budget and then gather proof of my income, information about all my debts and save up for the £90 fee. I’ve done all that, and now I am waiting for a few days to find out if the DRO is granted.

"In 12 months’ time, the DRO will be finalised. At the moment, I’ve still got that fluttery feeling in my tummy – I don’t quite believe it yet, it’s still a bit scary. But it has given me a light at the end of the tunnel, which I haven’t had for a long, long time.”

Young woman reading a letter

A couple of weeks later, our CEO received a thank-you letter to the charity from Christine, saying that her experience of debt had been “scary, upsetting and feeling silly and stupid for getting myself into this mess. I have this week started my debt relief order. The feeling I have is relief from knowing in 12 months’ time I won’t have this pressure of owing money.”

Find out more about DROs

If you’re on a low income and have few assets, you may feel that a DRO is the best solution for you. As with any debt solution, it’s important that you have all the facts before proceeding. Our DRO guide has useful advice about the entire process.

* Client's name has been changed for confidentiality

This story was published in 2019.