The Debt Relief Order (DRO) regulations 2009

The Debt Relief Order (DRO) Regulations 2009 set out the legal framework for individuals facing severe financial hardship to apply for a legally protected period—usually 12 months—during which their debts are frozen or reduced. This process provides relief for those with low income, little assets, and unsecured debts below a certain threshold. If approved, creditors cannot take further action to recover debts during the DRO, offering a fresh start. The regulations also outline eligibility criteria, the application procedure, and oversight by appointed professionals to ensure fairness and transparency in the process.