Can we do a DRO?

charlie12345_2

Can you shed any light on this?

I only work 16 hours a week and my OH has recently become unemployed, we have 3 young children...
We thought a DRO each would be the answer to all our problems and finally end the continuous stess. We thought we met all the criteria but
our CAB contact went on a one day course last week and has some doubts, she has worries over expenses like school dinners for the children
being in our expenses, seems to think they wouldn't be valid. Also she got the feeling that a DRO were only for people without any real prospects of
their situation changing as when a DRO goes through it's final unlike bankruptcy whereby if your situation changes - ie, OH finds another job you would be expected to make payments towards your creditors.
help!!!!

dalip

I am afraid we don't know the expenses criteria for DRO's(very hush hush) as it is such a new thing.They are correct in that if your circumstances are likely to change in the year following the DRO you would be expected to pay back to the creditors. The way i understand it is that if you OH is to get a job then the DRO becomes reversed.

I would only suggest you PM DD or post you income and expenditure on the DRO thread and see what he says.Dx

fiveyearplan

If you are on a low income wouldn't your children receive free school dinners?

charlie12345_2

thanks for replying, unfortunately no free school meals as i work 16 hours.