Can you get a DRO?

Check If You Can Get A DRO

You should be able to get a DRO if all of the following apply:

▪️you’re unable to pay your debts

▪️your qualifying debts are not more than £20,000

▪️you’ve got no more than £50 left over each month after you’ve paid your usual household expenses

▪️you don’t own your home

▪️other savings or things of value you own, called assets, are worth no more than £1,000 (some assets are ignored when working out the value, for example, basic household items and tools you need to do your job)

▪️you don’t own a car worth £1,000 or more, unless it’s one that’s been specially adapted because you have a disability

▪️it’s been at least 6 years since your last DRO was made and you aren’t going through another formal insolvency procedure, such as bankruptcy or an individual voluntary arrangement (IVA)

▪️you’ve lived, had a property, or worked in England or Wales in the last three years.

What is Bankruptcy?

Bankruptcy is one way for a person struggling with debt to begin properly managing and dealing with their debts. Your money is shared out amongst your creditors (the people you owe money to) and most of your debts are written off. There are other options available to people struggling with debt and you should speak to an expert to find out which option is the best for you.

Life after Bankruptcy

Contact the courts for a Certificate of Discharge to prove that you’ve finished your bankruptcy. You will be free from all your debts, except for debts gained by fraud, outstanding child maintenance payments, court fines, debts created after the bankruptcy order, or damages payable to anyone for personal injuries.

Is Bankruptcy right for you?


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