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0161 519 5510

What is a debt relief order?

Debt Relief Orders (DROs) are one way to deal with your debts if you owe less than £20,000, don’t have much spare income and don’t own any property.

If you qualify you are discharged after 12 months and your debts are written off

Debt Relief Order can be effective if you meet the following criteria:

Are your debts below £20,000?

Are you on a low or no income?

No properties or assets in your name

  •  A DRO usually lasts for 12 months

     You do not need to make payments in to the DRO

     You are protected from the creditors

     A dro application costs £90

  • Applications for a DRO will be rejected if you have assets over £1000 or own your own property.

     If your circumstance change and you can afford to make repayments or you fail to co-operate the DRO can be revoked meaning you're liable for all the debt plus interest and charges.

     Interest and charges are not guaranteed to be frozen.

     Your information is placed on a register of Insolvencies which is a public register.

  • The Money Advice Service is an important service set up by the Government. They provide free debt counseling, debt adjustment and credit information.

    Click here for more information

    What we can help with

    Loans & Overdrafts

    Catalogue and Store Cards

    Benefit Overpayments

    HMRC Debt

    Court Judgements

    Rent, Gas and Electricity arrears

    Credit Cards

    Council Tax Arrears

    0161 519 5510

    New Leaf Debt Advice Limited Registered Office Onward Chambers, Centenary House, 1 Centenary Way, Greater Manchester, M50 1RF, United Kingdom. Registered in England and Wales Registration number 12203002.Data Protection Registration Number ZA549249

    Trading address- 50 Barton Rd, The Granary, Worsley, Manchester M28 2EB

    Laura Stewart is authorised to act as an Insolvency Practitioner in the UK by The Insolvency Practitioners Association (IP Number 23590) Learn more:

    Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA. If your IVA fails, it could lead to Bankruptcy, although this is rare and alternatives may be available. Your ability to obtain credit will be affected for the medium to long term. Homeowners may be required to release the equity in their property, if unable to release equity and equity is available creditors may request an additional 12 months payments in compensation.

    New Leaf Debt Advice provides insolvency solutions to individuals, specialising in IVA. Advice and information on alternative options will be provided following an initial fact find where the individual(s) concerned meets the criteria for an IVA and wishes to pursue it further. All advice given on any alternative options is therefore provided in reasonable contemplation of an insolvency appointment.

    The Money Advice Service is a free service set up by the Government to help people make the most of their money. If you would like to learn more visit