Debt Relief Orders (DRO) - Information & help thread

istanbul_2

yes after debts , bills , shopping. thats all i got left to clothe family with

Orville

istanbul wrote: »

yes after debts , bills , shopping. thats all i got left to clothe family with

Then as it stands you will not qualify for a DRO.

To be eligible for a DRO you have to have less then £50 a month left AFTER living expences. This is does not include your debts.

So when you are working out a budget sheet, you work it out WITHOUT your debts. If then you have less then £50 left, providing you meet the other criteria you would then qualify.

istanbul_2

do i have to add all benefit entitlements eg: dla ,child benefits, incapacity benefits?

Orville

istanbul wrote: »

do i have to add all benefit entitlements eg: dla ,child benefits, incapacity benefits?

When doing a budget sheet or...?

If your doing a budget sheet, yes you enter ALL income. You then work your way down the sheet putting in all your outgoings. Be truthfull as you could end up in trouble later down the line. After you have done this, you should roughly know where you stand. Post it here when done.

Orville

By the way here is a link to template letters.

http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6

There are template letters on this site, but i can't seem to find them at the moment.

istanbul_2

i am left with approx £336 per month after paying for food. gas,elecy,tv license, water,petrol,tv insurance,vet bills. then i got to pay catalogues credit cards , overdraft,provident, sky, virgin media which is more than £300

Orville

istanbul wrote: »

i am left with approx £336 per month after paying for food. gas,elecy,tv license, water,petrol,tv insurance,vet bills. then i got to pay catalogues credit cards , overdraft,provident, sky, virgin media which is more than £300

You will definately NOT qualify for a DRO if you have £336 a month left before debts. You can include things like sky, broadband etc.

Do a budget sheet and post it.

istanbul_2

we are smokers (cigs)can that be included?

Orville

istanbul wrote: »

we are smokers (cigs)can that be included?

Yes, haircuts etc too. You NEED to do a budget sheet.

istanbul_2

so far i can say eg>
120 gas
120 elecy
14 tv licence
54 water
140 petrol
600 shopping
150 clothing
60 virgin media phone +bb
100 children schooling eg. dinner or drinks
60 petfood
30 glasses
10 hospital parking per month
60 tobacco
totaling £1518 per month