Tools
DRO eligibility checker
A Debt Relief Order may be available in England and Wales if your total debts are within the current ceiling (presently £50,000), your assets and surplus income are low, and you meet other statutory conditions. Applications go through an approved intermediary — this checker only illustrates common thresholds.
In England and Wales, personal insolvency solutions include IVAs, bankruptcy and Debt Relief Orders. Different rules apply in Scotland and Northern Ireland.
Reviewed: 1 March 2026 by Editorial Team
Interactive checker
This tool runs in your browser. The page above already explains the criteria in HTML for search engines and accessibility.
A DRO may not fit these answers
Based on these inputs, discuss IVA, bankruptcy, a DMP or free advice alternatives with a regulated adviser.
Frequently asked questions
- What is the DRO debt limit?
- The current debt ceiling for a DRO is £50,000. Always verify on GOV.UK before applying.
- Can I get a DRO if I own a house?
- Usually not if you have meaningful property equity, because asset limits are strict.
- How long does a DRO last?
- Typically twelve months, after which qualifying debts are discharged if you remain eligible.
- Who submits a DRO application?
- An authorised debt adviser acting as an approved intermediary submits the application to the Official Receiver.
- Is this personal advice?
- No. Use free regulated advice to confirm whether a DRO is appropriate for you.
Primary source: The Insolvency Service (GOV.UK)