Debt Relief Order: where do your figures sit?
A Debt Relief Order has fixed tests. Put in your figures to see where each one sits against the official limits. Only an approved intermediary can confirm whether a DRO is right for you.
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The tests
- Qualifying debts of no more than £50,000.
- Spare income of £75 a month or less after essential living costs.
- Assets worth no more than £2,000, not counting one vehicle worth up to £4,000.
- You do not own a home.
- No DRO in the last six years, and not currently in another formal insolvency.
- A connection to England or Wales in the last three years.
DROs are free to apply for and are made through an approved intermediary, usually a free debt adviser. Some debts, such as student loans and magistrates’ fines, cannot be included. In Scotland the equivalent is a Minimal Asset Process bankruptcy, and Northern Ireland has its own DRO rules — see Scotland and Northern Ireland.
This tool shows where your figures sit against each limit; it does not tell you whether a DRO is suitable. A DRO stays on your credit file for six years and has other restrictions. Debt Relief Orders explained.
You never have to pay for debt advice. MoneyHelper (government-backed), StepChange, National Debtline and Citizens Advice all give free, confidential advice with no obligation.
Common questions
What are the limits for a Debt Relief Order?
In England and Wales: qualifying debts up to £50,000, spare income of £75 a month or less, assets up to £2,000 plus a vehicle worth up to £4,000, and you must not own a home.
How much does a DRO cost?
Nothing. The application fee was removed in April 2024. Apply through an approved intermediary, usually a free debt adviser.
Which debts can't go in a DRO?
Some debts cannot be included, such as student loans, magistrates' court fines and child maintenance. An adviser will check each debt.