Advice Column: Debt Relief Order

Thursday 11th May 2023

As part of the Citizens Advice Exeter and The Express and Echo advice column this week we focus on Debt Relief Orders.


I’m struggling with around £21,000 worth of debt and I wondered whether I’d be eligible for a Debt Relief Order. I see them mentioned a lot?


A Debt Relief Order (DRO) can be a way to help people out of unmanageable debt. The debt limit for a DRO is now £30,000 so you might be eligible.


You could qualify for a DRO if you don’t own your home, have assets worth no more than £1,000, a motor vehicle worth no more than £1000 and have less than £50 left each month once you’ve paid your essential costs.


Debts such as magistrate’s court fines, student loans and child support maintenance aren’t covered by a DRO but credit card debt, overdrafts, loans and rent arrears are so check first whether you’re eligible.


The DRO lasts a year and during that time you don’t have to make any payments towards most debts included in your DRO. Your creditors can’t force you to pay off the debts either.


At the end of the DRO period your debts will be written off, but you’ll still be responsible for paying off any debts that weren’t included in the DRO.


It’s also important to consider that while a DRO can help you deal with your debt, it may affect your credit rating and if during the 12-month period you borrow more than £500 you have to tell the creditor about your DRO.


For more help and advice go to or call our helpline on 0808 278 7845.


The information contained in these articles does not constitute advice. Citizens Advice Exeter and The Express and Echo accept no liability for the information published. Citizens Advice Exeter is unable to respond to individual requests for advice through these columns. Copyright Citizens Advice. For the most up-to-date information, please visit