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debt relief orders

(6 Posts)
danidrury Sun 31-Mar-13 09:05:41

Thanks for all the advice. Very useful and has given me some peace of mind. Will be applying next week. Don't have to keep having dark thoughts now can see a light at the end of the tunnel. Thankyou so much x

onetiredmummy Sat 30-Mar-13 21:41:50

Op I'm on my phone so can't link but you need the moneysavingexpert forum, mn is great and no offence to anyone here but mse forum have more specialist advice and people from citizens advice that help you. i think the dro board is within the bankruptcy board, go to homepage, forum, bankruptcy then dro smile

WhoWhatWhereWhen Sat 30-Mar-13 21:36:23
keli5325 Sat 30-Mar-13 21:30:24

how much debt do you have? you cant have debts over 15k for a dro but it does sound like you meet the criteria. call national debtline or payplan as they can process a dro on your behalf x

WeAreEternal Sat 30-Mar-13 20:41:22

Are the debts in joint names?

If they are you can call the companies and tell them that you accept responsibility for 50% of the debt but they need to go after your ex for the rest, and give them his address.
A friend of mine did this when her ex stopped paying his debts and they came after her for the whole amount each month.

Alternatively, write to the companies, explain your situation, include a full breakdown of your monthly income and outgoings. Explain that you have no way to afford the payments, and give them a realistic offer of what you can afford to pay, tell them it's that or nothing, chances are they will accept it without much fuss.

danidrury Sat 30-Mar-13 20:32:36

Has anyone out there ever had to apply or know anything about these. Estranged husband has said he will no longer pay half the debts. I already only have 33quid a week after paying bills and debts. Someone advised a dro how does it work. I'm self employed, no assets. I've already sold my jewellery to pay bills. My car is worth 400 and I need it for work. Can anyone help please. Oh I rent from a housing association

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