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Debt Relief Order Reviews and Questions

Debt Relief Order Reviews

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

Before you apply for a Debt Relief Order, you probably want to hear from people who have already been through the process and read up on genuine Debt Relief Order reviews. 

This post is dedicated to answering the common Debt Relief Order questions and providing you with Debt Relief Order reviews from people who have been through it. 

We’ve been digging across the internet so you don’t have to. 

Don’t worry, here’s what to do!

There are several debt solutions in the UK that can be used to improve your finances. Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started. 

Debt Relief Orders – A Quick Recap

A Debt Relief Order is an effective debt solution for people that meet the following criteria:

  • Have less than £30,000 of debt
  • Do not own a home
  • Don’t own valuable assets more than £2,000
  • Have less than £75 to spend each month after all necessities are paid for

You must apply for a Debt Relief Order through an intermediary known as an insolvency practitioner. If your application is successful, all your creditors cannot contact you for 12 months. If your finances have not improved at the end of the 12 months, you can have your debts written off. 

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Positive Debt Relief Order Reviews

We understand that getting a Debt Relief Order comes with a lot of worry and questions, but to kick things off on a positive note, take a look at what these women had to say about her experience with a DRO:

“Yeah, I have done one, got it done last August and will be released this August with no debt…hopefully lol. I can honestly say for me it was the best thing I ever did and it got rid of months and months of stress and worry.”


“I took out a debt relief order in 2012 which ended in March this year, it really was the best thing I [have]ever done, all debts are now written off […]”


These debt solutions can ease all of the pressure that debt brings and erase your worries.

Debt Relief Order Reviews and Common Questions

Below you can find common DRO questions and concerns raised by debt forum users considering a Debt Relief Order:

“I was thinking of getting a debt relief order, but [the] only thing stopping me is it ruining my credit file even more.”\\


There are lots of positives about Debt Relief Orders, but the only downside is that they will remain on your credit file for six years. This means you could struggle to get credit or even a mobile contract for six years following your DRO. 

“Has anyone else had experience of debt relief orders and did it affect being able to rent from a private landlord?”


Your credit file is likely to be checked when you use a private landlord, especially if you want to rent a property through a professional letting agency. Having a Debt Relief Order on your credit file can stop you from getting accepted for a tenancy agreement as well. 

“I’m so worried that the Debt Relief Order will be refused […] I’m not sleeping and I can’t eat.”


If you want a Debt Relief Order and meet the criteria, you have nothing to worry about. This is even more true if your insolvency practitioner has assessed the situation and is going ahead with your application. It is highly unlikely that your DRO application will be refused if your insolvency practitioner has approved your suitability. 

“The final thing [Step Change have] asked him to check, is if he’s allowed to carry on banking with his current bank once he has the DRO.”


This is an interesting concern from a forum user. They are worried that the DRO applicant will not be able to have a bank account with their current bank anymore because the DRO will cover an unpaid loan with the same bank. 

However, this should not be a concern because the bank cannot take action against the individual once the DRO is in place (this would be illegal). And seizing assets and cash can only be done in circumstances relating to bankruptcy – not a DRO. 

Where Can I Get a Debt Relief Order?

Debt Relief Order applications cannot be completed by yourself. You need the help of a qualified professional who will look over your application and submit it on your behalf. An application currently costs £90 but you may have to pay for the service of the insolvency practitioner as well. 

These professionals usually work at finance companies, accountancy firms and specialised debt management businesses. Sometimes you can get free support from a debt charity. Step Change UK may be able to help you get a DRO without additional fees beyond the application charge. 

What Questions Are on the DRO Application?

The DRO application form consists of nine sections that assess if you meet the criteria of a Debt Relief Order. We have discussed each section in our dedicated DRO application form questions post. 

When You Should Think Twice About a DRO

A Debt Relief Order can be a quick solution to a stressful situation. However, the major downside to them is that they cause poor credit ratings and may prevent things like tenancy agreements and other credit. 

For this reason, you might be better off using a different debt solution. Other solutions may not wipe the debt and be as immediately attractive as a DRO is, but they can make debt repayments affordable and do less long-term damage to your credit score.

A Debt Management Plan may be a better option. Some of these repayment plans are set to pay as little as £1 per week/month. 

To help you make the right decision, we have even created a DRO Vs DMP guide to compare these two popular options. 

Learn More about Debt Relief Orders with Money Nerd!

Money Nerd has plenty of helpful information on Debt Relief Orders and other debt solutions. Check back in with us to learn more, soon!

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring