Debt Relief Orders (DRO’s)

Start taking control of your debts NOW

Complete our free debt advice tool to see if you qualify for a DRO

supporting financial wellbeing

What is not free?

If you sign up for solution with Angel Advance to help you manage your debts moving forwards, fees will apply. The fee charged will depend on the solution chosen. Angel Advance charges a monthly fee to administer debt management plans. Fees are included within the monthly payments to the plan. We may also receive referral fees when referring an IVA to our partners.

Money helper logo
Money helper logo

To find out more about managing your money and getting free and impartial debt advice, visit www.moneyhelper.org.uk, an independent service set up to help people manage their money.

Pay nothing further to your debt and be debt-free in a year.

DROs are only available to people with little in the way of assets (e.g. a car worth less than £2000) and little, or nothing to offer to their debts each month.

You’ll pay nothing more towards your debts and after 1 year, the DRO will end and you’ll be debt-free.

There is no fee to apply, but it can only be arranged by a specialist advisor (an Approved Intermediary) at an authorised firm.

For more information on a DRO, and a full list of all the advantages and disadvantages. Please click here.

left wing

Make one affordable monthly payment to us and we’ll manage the payments to your creditors for you.

left wing

We deal with your lenders on your behalf, taking care of all the hassle and paperwork.

How do you apply for a DRO?

Before applying for any debt solution, from any provider, you first need to get debt advice. You should never start a debt solution without first knowing all the options.

It’s impossible to enter a solution with a regulated organisation without getting debt advice first, so any firm that offers to enter you into a solution straight away is probably unregulated and should be avoided.

Most providers will need you to book a telephone appointment so they can give you debt advice. These can be lengthy – usually an hour or more – and not everyone is comfortable discussing their situation with a stranger on the phone. At Angel Advance, we recognise that this can, for some people, be a barrier to getting help, so we have made it as easy and stress free as possible.

Our online service allows you to complete debt advice completely online. You don’t need to speak on the phone unless you want to. You don’t even need to provide a phone number, just your email address so you can save your progress and we can email you a copy of our advice.

At the end of your enquiry, we’ll present you with your options, and let you know which one we recommend for you. You then have the option to apply online, or you can save your progress and come back later, once you’ve taken some time to consider your options.

If you prefer to get help over the phone, you can book a telephone appointment for a date and time to suit to you. We work hard to design our services to suit you and your needs. Talking about debt is never easy, so communicate with us in whichever way makes you most comfortable.

Key advantages of DRO’s:

A DRO lasts for just 1 year and you won’t make any further payments to your debts.

Your debts will be written off at the end.

Creditors can’t take further action against you.

Key Disadvantages of DRO’s:

If your situation improves and you no longer meet the criteria (e.g. if your situation improves and you have more than £75 to pay to your debts), your DRO may be withdrawn.

Your DRO will be entered on the Insolvency Register and will show on your credit file for 6 years

If you’re a regulated or licensed professional, company director, or you work with money, your employment may be affected.

You can’t have a DRO if you own your own home. Even if you have negative equity.

Frequently asked questions

If you choose a DRO, you’ll need to speak (either on the phone or by email) to a specialist DRO advisor called an Approved Intermediary. They’ll review your documents to make sure everything is accurate, and you’ll have some information to sign.

Provided you promptly return everything that’s required of you, a DRO application can be submitted within 2 weeks. It usually then takes a matter of days for the Insolvency Service to review and approve the application.

A DRO won’t usually affect an ongoing tenancy but you may struggle to renew/get a new tenancy whilst your DRO is in effect.

Yes, you must include all qualifying debts. Once your DRO is approved you can’t add any debts to it so, if you miss a debt by mistake, you’ll remain responsible for paying it. If the debt takes you above the £30,000 threshold, your DRO may be revoked.

Once your DRO is approved you don’t have to pay anything to your creditors so you can use whatever disposable income you have to save towards a holiday however, this will only be a small amount because you can only have a DRO if you have less than £75 left over each month.

During the 12 months that you’re subject to a DRO, you are protected from further action relating to your debts. Once this period ends, you will be discharged and freed from liability for those debts.

If you enter a DRO, you can’t act as a director or set up a limited company without permission from the court.

Your employment could also be affected if you’re a licensed or certified professional for example, if you’re a solicitor, accountant or insolvency practitioner because it’s likely your professional membership will be terminated. You’ll need to speak to your HR department, or professional body before proceeding.

If you’re planning to apply for a role in finance or security your DRO may affect your employment prospects as these types of roles will usually require background checks, including a credit check.

You won’t qualify for a DRO if your car is worth more than £2000 unless it’s been specially adapted for a disability, or is subject to the Motability scheme. If it meets the criteria for a DRO, you’ll be able to keep it.

The full balance of any joint debts will be included in your application and will count towards the £30,000 limit however, the joint party isn’t protected so they will remain liable for the full balance of any joint debts.

Rent arrears are a ‘qualifying debt’ which means they will be included within your DRO and no payments will be made towards the debt. Your landlord can’t take steps to recover the arrears, but they can still evict you from the property. You can’t have an allowance within your budget to repay the arrears however, you can choose to use your disposable income (which will be less than £75 per month) towards your rent arrears.

Angel advance logo new white

How We Help You

1. You can get confidential debt advice online or over the phone with us.

2. We’ll recommend the best solutions – completely based on your individual circumstances. We include every available solution in the UK.

3. If you choose a debt solution with us, then we take care of everything. We speak to your lenders and take care of all the paperwork, We do it all for you.

Popular Debt Solutions

Angel advance paper plane whitewings

Our promise to you

left wing

You are not alone

Millions of UK residents are currently struggling with debt. If you request help from our team, then you will only find compassion, experience, understanding and confidentiality.

Helping people with debt is their full-time job. Your wellbeing is at the heart of our service.

left wing

No Hassle

You don’t need to provide a phone number or an address to get help. You just need to provide your email address and your name, and this is only so you can log back in and work at your own pace.

left wing

Low Cost

We work tirelessly to bring down the cost of the debt solutions we provide. The more we drive down costs – the quicker our clients get debt free.

left wing

All The Facts

We will always give you all the information, clearly and as easy to understand as possible.

Already have an account?

Click retrieve saved details & continue your application

You can save your details and come back any time. Work at your own pace and edit/change your details until your situation is all accounted for. Help is at hand if you need it.