Debts You Cannot Include In A DRO

Some types of debt won’t be covered by a DRO and you will still have to pay them.

These are:

Child maintenance, or anything you owe under family proceedings

❌ Student loans

❌ Budgeting and crisis loans from the Social Fund

❌ Debts secured against an asset you own

❌ Fines for drug offences

❌ Damages or fines a court has ordered you to pay

❌ Unpaid TV licence fees

❌ Any debts you incur after the DRO is granted

If you run up new debts after the DRO is granted, you could face:

A bankruptcy order

Prosecution, if you incurred a debt without telling the creditor about your DRO

You must also continue to pay any regular commitments like rent and bills

Do You Qualify?

Roughly how much unsecured debts do you currently have?

Less Than £6,000
£6,000 - £10,000
£10,000 - £20,000
More Than £20,000

What is your current employment status?

Full-time employment
Part-time employment
Looking for work

What country do you live in?

Northern Ireland

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Debt Relief Order - Frequently Asked Questions


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