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How long does a debt relief order (DRO) last?

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<h1>How long does a debt relief order (DRO) last?</h1>
A <a href="https://www.moneywellness.com/dro" rel="follow">debt relief order</a> usually lasts 12 months. During that time, you don&rsquo;t pay anything towards the debts included in your DRO. Afterwards, if your financial situation hasn&rsquo;t got any better, those debts are written off.

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What happens if my circumstances change?

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If your circumstances change during your DRO, you must tell the official receiver.
Changes of circumstance include:
<ul>
<li align="left">coming into a lump sum of money e.g. an inheritance</li>
<li align="left">an increase in income e.g. a pay rise</li>
</ul>
You must let the official receiver know about this type of change any time after you&rsquo;ve made your application until your DRO ends.
Even after your DRO ends, you must let the official receiver know if you:
<ul>
<li align="left">realise there was a mistake in your DRO application</li>
<li align="left">didn&rsquo;t qualify for a DRO because of a change in circumstances between you making your application and it being approved</li>
</ul>
If your income increases during your DRO, it may mean you can afford to start making payments towards your debts.
When you tell the official receiver about your change in circumstances, they&rsquo;ll look at your situation and let you know what you need to do. It&rsquo;s possible they may cancel your DRO. If this happens, you&rsquo;ll need to start paying back your debts.

Can my DRO end date change?

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If you report a change of circumstances to the official receiver as your debt relief order is nearing its end, your DRO can be extended for up to three months. This will give you time to agree a payment arrangement with your creditors before the DRO is cancelled.

Or learn how Money Wellness can help with <a href="https://www.moneywellness.com/debt-advice" rel="follow">free debt advice</a>.
All our debt advice is free. Some solutions are free. For others, there&rsquo;s a fee.

<h3>Considering a DRO? [exclaim--orange]Get [underline-3--primary80]free[/underline-3--primary80] debt advice today[/exclaim--orange]</h3>

What happens when my DRO ends?

When your debt relief order ends, providing your financial situation hasn&rsquo;t improved, the debts included in your DRO will be written off.
Find out more in our guide to <a href="https://www.moneywellness.com/guide/dro/life-after-a-dro" rel="follow">life after a debt relief order (DRO)</a>.

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When your debt relief order ends, providing your financial situation hasn&rsquo;t improved, the debts included in your DRO will be written off. Find out more in our guide to Life after a debt relief order (DRO).

<h1>DRO (Debt relief order)</h1>

A debt relief order (DRO) allows you to freeze your debts for 12 months. If your circumstances haven&rsquo;t changed after this time, your debts will be written off.

Most asked questions

What is a debt relief order?

A debt relief order (DRO) is a way to deal with your debts if:
<ul>
<li>you owe &pound;50,000 or less</li>
<li>you&rsquo;re not a homeowner</li>
<li>you don&rsquo;t own other things of value</li>
<li>you have very little spare money at the end of the month.</li>
</ul>
A DRO lasts for 12 months. If your situation doesn&rsquo;t improve during that time, your debts are written off.
During your debt relief order creditors aren&rsquo;t allowed to chase you to pay. If it&rsquo;s the right option for you, we&rsquo;ll make an application to the Insolvency Service on your behalf.

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If we are unable to help you with all of your debts, or for further information and support to help you with your money troubles, please visit <a href="https://www.moneyhelper.org.uk/en/money-troubles/dealing-with-debt/use-our-debt-advice-locator" rel="follow">MoneyHelper</a>.

Is a DRO right for me?

If all of the following statements are true, you may well be able to get a debt relief order:

DRO benefits & things to consider

There&rsquo;s a lot to think about when you&rsquo;re considering a DRO. To help you decide if a DRO is right for you, we&rsquo;ve outlined the main benefits and things to bear in mind:

&ldquo;The people on the phone were so friendly, there was no judgement. It was just let's help you. The process was just so easy, I knew that I had an end in sight.&rdquo;

How it helps: 

<h2>Why others love us</h2>
Our expert debt advisors have helped thousands of people in a similar situation to you.

FAQs

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<h2 style="text-align: center;">But don&rsquo;t take[underline-3--primary60] our [/underline-3--primary60]word for it...</h2>

Learn more about DROs

There&rsquo;s a lot to think about when you&rsquo;re considering a debt relief order and you&rsquo;ll probably have a lot of questions. We&rsquo;ve put together some guides that we hope will answer those questions. If you can&rsquo;t find the information you&rsquo;re looking for, get in touch and we&rsquo;ll be happy to help. 
<a href="https://www.moneywellness.com/guide/dro/how-does-it-work" rel="follow" style="color: #0f64f8;">What is a DRO &amp; how does it work?</a>
<a href="https://www.moneywellness.com/guide/dro/how-long-does-the-process-take" rel="follow" style="color: #0f64f8;">How long does the DRO process take?</a>
<a href="https://www.moneywellness.com/guide/dro/application-process" rel="follow" style="color: #0f64f8;">DRO application process</a>
<a href="https://www.moneywellness.com/guide/dro/credit-file" rel="follow" style="color: #0f64f8;">How a DRO will affect your credit file</a>
<a href="https://www.moneywellness.com/guide/dro/life-after-a-dro" rel="follow" style="color: #0f64f8;">Life after a DRO</a>
<a href="https://www.moneywellness.com/guide/dro/how-long-does-dro-last" rel="follow" style="color: #0f64f8;">How long does a DRO last?</a>
<a href="https://www.moneywellness.com/guide/dro/bailiffs" rel="follow" style="color: #0f64f8;">Will a DRO stop the bailiffs?</a>
<a rel="follow"></a><a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/eligibility-criteria" rel="follow">DRO eligibility</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/dro-register" rel="follow">DRO register</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/relationships" rel="follow">Will a DRO affect my partner?</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/council-tax-dro" rel="follow">DRO &amp; council tax</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/rejected" rel="follow">DRO rejected</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/ccj-and-dro" rel="follow">DRO &amp; CCJ</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/dro-and-rent-arrears" rel="follow">DRO &amp; rent</a>
<a href="https://www.moneywellness.com/debt-solutions/debt-relief-order/revoked" rel="follow">DRO revoked</a>

A wide range of debt solutions  and services

It may be that a debt relief order isn&rsquo;t quite right for you and another debt solution is more suitable. We&rsquo;ll make sure we recommend the one that&rsquo;s best for your individual circumstances and your long-term financial wellbeing.
You can find more information below on alternatives to a DRO.

<h2 style="text-align: center;">Money Wellness [underline-3--primary80]blogs[/underline-3--primary80]</h2>

Debt solutions

Debt Solutions

A debt relief order usually lasts 12 months. During that time, you don’t pay anything towards the debts included in your DRO.

A <a href="https://www.moneywellness.com/dro" rel="follow">debt relief order</a> usually lasts 12 months. During that time, you don&rsquo;t pay anything towards the debts included in your DRO. Afterwards, if your financial situation hasn&rsquo;t got any better, those debts are written off.

How long does a debt relief order (DRO) last?

What happens if my circumstances change?

Can my DRO end date change?

Considering a DRO? Get free debt advice today

What happens when my DRO ends?

Money Wellness blogs