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How a Debt Relief Order works

Become free from unsecured debts in 12 months

When your financial situation is strained to breaking point, it can feel like you’ll never find your way out of debt – especially if you’re struggling on a low income.

But a Debt Relief Order is a way for you to deal with your debts without being tied into monthly repayments or having to deal with constant pressure from lenders.

Five steps of a Debt Relief Order

Click the steps below to find out more


We’ll complete a full financial review:
We’ll help you to complete an income and expenditure form to support your application. We’ll outline how much income you have a month and detail how much is spent on your bills and living expenses and how much cash you’re left with once these are paid.

If you qualify for the Debt Relief Order, you can progress to step two.


You pay your fee to the Insolvency Services:
You do not have to pay us for the Debt Relief Order service, but you must pay the Insolvency Service a one-off fee of £90 to process the Order.


Contact lenders:
Once the fee has been paid, you can then contact all your lenders and tell them that you have now applied for a Debt Relief Order. You can provide them with your customer reference number, and if your lenders have any questions, they can speak to us directly.


We’ll draft your Debt Relief Order application:
Once you’ve told lenders that you’re dealing with your debts through a Debt Relief Order, we’ll draft your Debt Relief Order application. We will send you a copy to make sure you’re happy that all the information is correct. This will then be sent to the Insolvency Service who will send a confirmation response between 24 and 48 hours.


Freed from debts in 12 months:
Once the Debt Relief Order application has been accepted by the Insolvency Service, you will be freed from your debts in 12 months!

  • No monthly repayments
  • Cut pressure from lenders
  • No court appointments
  • Alternative to Bankruptcy
  • Clear debts in 12 months

Debt Relief Order:What you need to know

What debts can be included in a Debt Relief Order?

Only unsecured debts can be included in a Debt Relief Order, this means debts that are not secured against your property or something you own.

Included in Debt Relief Order:

  • Personal loans
  • Payday loans
  • Store cards
  • Credit cards
  • Catalogue accounts
  • Bank overdrafts

In some circumstances…

  • Rent arrears (from previous properties or current housing association property)
  • Mortgage arrears
  • Council Tax Arrears from previous properties
  • Last year or the previous year’s Council Tax from current property

Excluded from Debt Relief Order:

  • Mortgage repayments
  • Social funds and crisis loans
  • Hire purchase loans (e.g. car loans)
  • Secured loans
  • Utility bills
  • Student loans
  • Child maintenance
  • TV licence

Legally binding

A Debt Relief Order is a legally binding contract, so you will have to keep to the terms of the Order to make sure that you are freed from your unsecured debts in 12 months.

Your property

To qualify for a Debt Relief Order, you cannot own a home or valuable assets worth more than £1,000.

You will be allowed to keep furniture, electrical goods and equipment needed for work and your car, providing it is worth less than £1,000. If it is worth more than this, you could be asked to trade it in for a less expensive model.

If your vehicle has been modified for health reasons, you will be allowed to keep it.

Credit rating

Like any debt solution, your credit record will be affected for six years. This will make it harder for you to secure credit such as credit cards and loans in the future.

The Debt Relief Order will also remain on public record for 15 months.

Previous insolvency proceedings

If you have already had a Debt Relief Order in the last 6 years, then you will not be allowed to apply again.

Find the right solution

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  • Total unsecured debt: £500

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Find the right solution

Answer a few simple questions and we'll help you find your solution.
  • Total unsecured debt: £500

  • This field is for validation purposes and should be left unchanged.

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We are committed to providing the highest standard of service to our customers and helping them find their way out of debt with the most appropriate debt solution.

Money Advice Service

You can get free debt advice from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. Click here for more information.