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Debt Relief Orders DROs Surge

Debt Relief Orders (DROs) – What You Need to Know

A Debt Relief Order (DRO) is a formal insolvency solution for individuals with low income, minimal assets, and unsecured debts under £50,000. It provides legal protection from creditors for 12 months, after which qualifying debts are written off if the debtor’s financial situation hasn’t improved.

Why It Matters

While DROs are rarely encountered in our current debt recovery operations, recent data shows a record number filed in August 2025, making it essential to understand their impact on collections.

Key Implications for Recovery

Once a DRO is approved, there is a 12-month moratorium: ➤ No contact with the debtor ➤ No recovery action permitted ➤ No interest or charges can be added

DROs apply only to individuals, not companies.

After 12 months, if the debtor’s situation remains unchanged, all qualifying debts are legally written off making it a great solution to be explored for anyone fitting its criteria

Brian & Julie Johnson

Daniel from ACS made the whole experience of going bankrupt a worry free exercise with him taking on all the tasks that daunted me. I would like to thank him sincerely for his help, support and guidance in dealing with my bankruptcy. As a consequence of his knowledge and experience it meant the the court attendance was stress free and it was certainly made easier by having him there with me.

Rod Eastell

I don’t know NOW why we were so worried about our debts. ACS took all our troubles and worries away. From speaking to Daniel for the first time he was very understanding and put our minds to rest, the service is absolutely everything they promise, in fact it is better than promised. It delivered and swiftly brought everything to a conclusion. We would certainly recommend ACS to anyone with debt problems, DON’T WORRY GET IN TOUCH WITH ACS. they will take care of everything. We can’t thank them enough.

E. Davies

Exceptional service! Since my first phone call some months ago requesting help and advice I immediately felt that cloud over me disappearing. When getting closer to my court date with companies chasing more and more, the professional service I received kept the phone calls and letters away. My day in court was basically short and sweet, just 45 minutes. Immaculate documentation was handed over and the clerk could not stop smiling with how easy it had made her job to check the form over prior to handing over to a judge to sign off (who did within minutes). Already had my telephone interview from the official receiver and as documentation was so clear and precise it took little over 10 minutes (normally around 30) to complete.