A Debt Relief Order is an official agreement made with the official receiver that if approved will freeze your debts, interest and creditor recovery procedures for 12 months. If after 12 months your situation has not changed, then your unsecured debts will be written off.
At One Manchester we have staff that can help you with this process and submit your application for you.
You can get a DRO if:
These will still be included when working out the total amount of debt you owe, so if they take you over the £20,000 then you will not be eligible for a DRO.