Do you Qualify?

What is a DRO?

What is a Debt Relief Order?

There are several debt solution options available these days, and a Debt Relief Order (DRO) could be the most suitable one for you. It’s never easy to cope when your debt levels seem be constantly on the rise, and in many cases it can lead to stress, anxiety and severe health problems.


A DRO represents a potential way out from the debt spiral, but there are certain conditions that need to be met. It’s not available in Scotland, but it is in England, Wales and Northern Ireland. If you have unsecured debts of up to but not exceeding £20,000 you could qualify.


If you own your own home, a DRO will not be available to you. A £90 fee needs to be paid to enter into the agreement, and the application needs to be made by an insolvency practitioner. It’s also worth noting that you can’t apply for one if you have had a DRO in the past six years.


Once the agreement is in place, your debt repayments and the interest on what you owe will be frozen. Your creditors won’t be able to chase you for payments during this period, bringing you some much-needed breathing space during this extremely difficult time.


In just one year you could be debt-free

The DRO usually runs for 12 months, and after that time the debts will be written off. There are certain restrictions which you need to be aware of, however. You’ll still have to pay any debts that aren’t included in the agreement, your name will appear on the Insolvency Register and your overall credit rating will be affected.


There are several types of debt that can be included in your Debt Relief Order. They include credit card balances, personal and payday loans, bank overdrafts, rent and utility bill arrears and hire purchase agreements. Child support and student loans are among the items that can’t be included.


If you think you might be eligible for a DRO and you wonder if it could be the answer to your problems, BlueSky Finance would like to hear from you. We will listen to your story, discuss your current situation and go through each of the possibilities that might be open to you. We’re ready and waiting to help, so call 0141 488 2212 today.

Do you Qualify?


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    By the time we’re finished you’ll know if there is a solution to help you with your debt.

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    Just to make you aware, our service is completely free of charge, from information you supply we can advise you on possible solutions in which you can make your own informed decision.

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