Manage your debt with a debt relief order
completely.
Complete the questions below and see if you qualify for help.
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What is a debt relief order?
A Debt Relief Order (DRO) is a low-cost solution for people with little spare income and few assets. Repayments pause for 12 months, then qualifying debts are written off completely.
You may be eligible if:
- Total debts under £50,000
- Vehicle worth under £4,000
- Other assets under £2,000
- Less than £75 left each month after essentials
How it works:
Creditors stop chasing payments for 12 months. If your situation hasn't improved, qualifying debts are written off. Not all debts qualify — speak to an advisor to check.
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Benefits of a
Debt Relief Order
Here’s how a Debt Relief Order (DRO) can help you regain financial freedom:
Lasts for 12 months
A DRO usually runs for one year. During this time, your debts are put on hold.
No monthly payments
You don’t need to make payments toward the debts included in your DRO.
Stops creditor contact
Creditors covered by your DRO are not allowed to chase you for money.
Free to apply
There are no upfront costs to apply for a DRO
Debt written off after 12 months
If your circumstances haven’t improved after a year, the debts included in your DRO will be written off completely.
Take back control of your debt
Customer feedback
I was at my wits end dealing with all my debts when I got in touch with CAM... I was really impressed with the advice and time which was given to me from Nathan Jacketts. I have been going around in a cycle of credit card debit for as long as I can remember. I originally wanted a loan, but discovered they are other options available to me that I was not aware of. I now have all my debts consolidated into an IVA paying one affordable repayment of £155 a month. This has changed my life, I now dont have to stress each month managing 5 to 6 separate payments going out each month. I highly recommend CAM and Nathan for not judging me 👍
Highly recommend Care About Money, I had a bailiff at my property over a parking fine at 5.20pm, I found care about money online and gave them a call. Spoke initially with Eli, who was beyond incredible and gave me advice on what I needed to do and what my options were he arranged a priority phone call for the following morning at 9.30 where Justin , was equally as incredible we went through everything thoroughly and he explained my options and started the process. Immediately they contacted the creditors on my behalf and got me legal protection meaning I had time to come up with a plan on what to do but stopping the company/companies from contacting me in any form or removing assets. Every single person I dealt with has so much compassion and genuine empathy. They were so respectful and helpful.
Was quite amazed how quickly, Care about money worked. I was in quite a lot of dept and had many company's I owed money too, thay sorted out all my bills and some I didn't remember and consolidated all my moneys owed into one month's affordable payment, Eli and Dan sorted out my finance to a point where now j feel quite lifted and free from worrying about who was going to knock at my door. So I would like to thank everyone who has made this possible for me. Kenny Emptage
Frequently asked questions
Once your application is submitted through an approved intermediary, it usually takes a few weeks for the Insolvency Service to process and approve a Debt Relief Order.
Yes. To qualify, you must have less than £75 left over each month after covering essential living expenses.
At the end of the 12-month period, if your financial situation has not improved, all the debts included in the DRO will be written off.
In most jobs, a DRO won’t affect your employment. However, some roles in financial services or law may have restrictions, so it’s best to check your contract or speak with your employer if unsure.
Yes, a DRO can affect your chances of getting a mortgage in the future, as it will appear on your credit file for six years. If you already have a mortgage, it won’t be included in the DRO, but you must continue making your payments.
Once your intermediary has all the required information, it usually takes a few weeks for the Insolvency Service to process and set up your DRO.
Yes. Once your DRO is approved, creditors included in it must stop enforcement action such as bailiff visits or debt collection.
resolve your debt problems
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