Are You Eligible For A DRO?

Are You Eligible For A DRO?

DROs don’t suit everyone. You are only eligible for a DRO if you meet all the following conditions:

You are unable to pay your debts.

You owe up to a maximum of £20,000 only 

Your assets aren’t worth more than £1000 in total

You have less than £50 to spend each month, after paying tax, national insurance and normal household expenses

You don’t own your home

Other savings or things of value you own, called assets, are worth no more than £1,000 (some assets are ignored when working out the value, for example, basic household items and tools you need to do your job)

 You don’t own a car worth £1,000 or more, unless it’s one that’s been specially adapted because you have a disability

 It’s been at least 6 years since your last DRO was made and you aren’t going through another formal insolvency procedure, such as bankruptcy or an individual voluntary arrangement (IVA)

 You’ve lived, had a property, or worked in England or Wales in the last three years.

You must not be involved in any other formal insolvency procedure at the time you apply for a DRO, such as:

An undischarged bankruptcy order;
A current individual voluntary arrangement;
A current bankruptcy restrictions order (BRO) or undertaking (BRU);
A current debt relief restrictions order or undertaking (DRRO or DRRU);
An interim order.

If you are currently petitioning for bankruptcy (asking a court to make you bankrupt) and the court
has not referred you to the DRO procedure, then you won’t be allowed to apply for a DRO at the
same time.

If a creditor is currently petitioning for your bankruptcy (asking a court to make you bankrupt), then
you must get the creditor’s permission before applying for a DRO.
If you have given away any assets or sold them for less than their true value in the last 2 years, the
official receiver may not approve your application.
If you have preferred any creditors over others in your payments within the last 2 years, the official
receiver may not approve your application.

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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