![]() Make the debt relief order if you're eligible and your application has been filled in correctlyĭefer the order if they need to find out more information to make a decision When you've paid your fee and your application is received, the official receiver will make one of the following decisions: Step 4: the official receiver makes a decision There are some charities and trusts that might be able to help with paying the DRO fee - your DRO adviser can find out more information about this. You can find your nearest Payzone outlet on the Payzone website. You can find your nearest Post Office on the Post Office website. You won't get your money back if your application is turned down, so it's important to make sure you're eligible to apply for a DRO before you pay the fee. You can pay it in one go or by instalments. ![]() You must pay this in cash at a Post Office or Payzone outlet. You have to pay a fee of £90 to apply for a DRO. In serious cases of dishonesty you could be taken to court. If the official receiver finds out you've been dishonest in your application, the restrictions under a DRO could be made to last up to 15 years. It’s their job to make a decision about the application and deal with your DRO if it goes ahead. The application is sent to an official receiver at the Insolvency Service. If you apply but you're not eligible, you won't get your application fee back. It's important to be honest and give your DRO adviser all the information you have. Your assets are any savings you have or things of value you own. This will include working out your income and outgoings, and adding up all your debts and assets. If you decide to go ahead, you'll need to work with your DRO adviser to fill in your application. They'll also look at whether it's right for you - for example, how it might affect your credit rating, lifestyle and work. Your DRO adviser will help you work out whether you're eligible to apply for a DRO. Step 2: work with the DRO adviser to make your application Check which organisations are approved on GOV.UK. You can also find a DRO adviser through other approved organisations, known as 'competent authorities'. ![]() If you’re eligible, they’ll refer you to a DRO adviser. You can also call our debt helpline to speak to a debt adviser. You can find a DRO adviser at most local Citizens Advice. They will check that you're eligible to apply and that a DRO is right for you. This is usually a skilled debt adviser who has been given permission to complete the forms and give advice on DROs. You can only apply for a DRO through a specialist DRO adviser, also called an 'approved intermediary'. If you've decided you want to apply for a debt relief order (DRO) you'll need to find a DRO adviser to make your application to the Insolvency Service who deal with all DROs.
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