Debt Relief Order Pros & Cons

Debt Relief Order Pros & Cons to help you understand whether a Debt Management Plan is the right choice for you. For more information or assistance, please contact us here.

*Griffin & King does not deal directly with this procedure, but if we think this is the right direction for you to take, we will put you in touch with the appropriate organisation to help you. Please contact us for details.


  • There is no court appearance and the procedure is relatively painless.
  • Most debts can be included within the DRO, including rent arrears, fuel debt and Council Tax.
  • Creditors’ can take no further action against you once the DRO has been made.


  • If you are a home owner, and have equity in the property you will not be eligible as this is likely to exceed the asset limit.
  • Any secured creditors’ can still take action against you.
  • Not all debts can be written off by a DRO. You cannot include court fines, student loans, maintenance and CSA payments.
  • Details of your DRO will be kept on the Individual Insolvency Register.
  • Your credit rating will be affected.
  • You may have a ‘debt restriction order’ made against you for dishonesty or ‘unfit conduct’ if the circumstances merit this.
Debt Relief Order Pros & Cons