In order to be eligible for a Debt Relief Order, a debtor must have no more than £30000 of qualifying debts. Qualifying debts are those that can be covered by the Debt Relief Order and include:

• Credit card debts
• Overdraft debts
• Loans
• Rent and Rent Arrears
• Utilities Bills
• Telephone Bills
• Council Tax Arrears
• Benefit Overpayments (Unless the benefit was obtained by fraud)
• Hire Purchase Agreements
• Buy Now, Pay Later Agreements

In the case of Hire Purchase Agreements, you may have to return the items purchased unless someone can make the payments for you. Once on a Debt Relief Order, you will not be able to continue making payments against Hire Purchases.

There are a number of debts that are ineligible for inclusion on a Debt Relief Order as well. These include:

• Student loans
• Child maintenance or support
• Court fines, confiscation orders and other fines relating to criminal activity.
• Social Fund Loans

If you’re not sure whether your debts could be included in a Debt Relief Order, get in touch for free, confidential debt advice.