Advice Centre Group

Debt Relief Order

Debt Relief Orders are formal debt solutions designed for people with no assets and low income.

Advice Centre Group


A Debt Relief Order (DRO) is an agreement designed to help people with little to no spare income, who don’t own their home, and have debt of £30,000 or less, repay their debt over time.

A Debt Relief Order essentially pauses your debts for 12 months. If you successfully apply for a DRO, your debts, as well as interest and charges, will be frozen for a year. For those 12 months you will not need to pay anything towards your debts.

The idea behind DROs is to give people freedom from the restrictions of debt for an extended period of time in the hope that their financial situation improves. If, at the end of that period, your debts remain and your situation hasn’t improved, your debts will then be written off.



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Advice Centre Group
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Advice Centre Group

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Advice Centre Group Ltd registered in England and Wales (14322979). Registered office: Second Floor A, Cheadle Place, Cheadle, Cheshire, England, SK8 2JX. 

Adam Southard is authorised as a Licensed Insolvency Practitioner in the United Kingdom by the Insolvency Practitioners Association, We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meet the criteria for one of our insolvency solutions, therefore, all advice regarding Individual Voluntary Arrangements (IVA) is given in reasonable contemplation of an insolvency appointment.

Adam Southard is licensed to act as an Insolvency Practitioner in the UK by the Insolvency Practitioners Association. Office Holder No. 11930

Insolvency Practitioner Directory- Insolvency Practitioner Details (

What you need to know about Individual Voluntary Arrangements (Insolvency Service)

We provide solutions to individuals throughout the UK, We Will help recommend solutions available, tailored to your circumstances in which you can then make an informed decision about which solution you qualify for.