What happens to my Debt Relief Order if my circumstances change?

If your circumstances change at any point during the DRO moratorium (this is the official name given the twelve month period during which your creditors cannot take any further action against you without court permission), you must immediately inform the Official Receiver.

Not doing so can have serious consequences, including the imposition of a Debt Relief Restrictions Order , which can extend the term of the DRO for up to 15 years.

If, at any point during the DRO, your circumstances change and you no longer meet the DRO criteria then the Official Receiver will consider terminating the DRO, which means your creditors will be able to pursue you for the debts once more.

You can read more about Debt Relief Orders and whether one is suitable for your situation in our Debt Relief Order section.

Debt Advice Foundation is a registered UK charity offering free, confidential support and advice on any aspect of debt, including Debt Relief Orders. If you need to talk to someone about Debt Relief Orders or would like to discuss the alternatives, please call to speak to an adviser.