Debt relief order application form in UK – can I apply online?

A government debt relief order application is a process that is used in the UK as an alternative to bankruptcy and to allow a person to have a debt arrangement scheme and functions as part of a debt management plan. It only applies in England and Wales and Northern Ireland as there is a separate equivalent in Scotland. If you think this process will help in your situation, you will need to fill in a debt relief order application form along with your income and expenditure details.


How does a Debt Relief Order work ?

A debt relief order application is a scheme initiated, authorised and regulated by the government. Only approved  debt relief agencies can participate in the scheme. Before applying you need to find out if you meet the necessary criteria

Debt Relief Order Application Form

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Debt Relief Order Criteria

Things which may disqualify you – you owe over £15,000, pension, investments, previous bankruptcy, IVA application. Also, if you have substantial assets such as a house or car etc, you will probably not be able to meet the criteria, unless it is something you need for your work

If you are unsure whether you can apply or not, you should talk all your options and questions over with an approved debt adviser working within the government scheme, or with your local debt charity such as Citizen’s Advice Bureau who will be able to offer free debt advice. Alternatively there is a list of approved debt advice services available on the Insolvency Services website. Just make sure any company you are dealing with is registered and regulated by the Financial Services Authority.


How do you get a DRO application form ?

You can’t just send for a government debt relief order application form to be posted out to you. It may also be possible for you to download a pdf  DRO application form also. What you need to do is contact one of the approved debt agencies taking part in the scheme. They will assess whether you meet the criteria and you ability to meet payments and will fill out the form with you. Hopefully you will not need to wait too long before you find out if your debt relief order form application is approved or not. It is significantly cheaper to set up than bankruptcy and payments from your bank account can be spread out over several months if necessary.


How long does a debt relief order last and does it affect my credit rating ?

It normally lasts for 1 year during which time all calls from creditors will be halted and existing amount owed will be cleared. This does not apply to student loans to which you must keep up your payments.


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