Can I choose which debt can go into DRO?

Scrubs14

Hello, newbie here, please help . Due to new baby and single parent I can only work minimal hours. Income is so low, not even £50 left each month. I have debt around 16,000. Three big amounts, then two other small store cards. Can I leave out some of the smaller ones when applying DRO so the total is just below 15K? Thanks. (Sleep deprived new mummy)

fermi

No. You can't pick and choose. The Official Receiver must refuse the DRO if they become aware you are over the £15K qualifying debts, or can revoke the DRO if they find out after it is made.

fatbelly

The limit goes up to 20k on 1 October.

So either wait till then or (probably not possible) make 1k of payments pro-rata across all your debts or pay £705 and go bankrupt.

I can see you waiting till October. That gives you time to plan things too.

The-Inkman

If you have payment plans you are not in debt with AT ALL and you don't want to add them then you don't have to, i have two mobile phone contracts and i didn't add them to my debt relief order because it wasn't a debt i was behind with, even though it is a contract.

As you will see on my other posts my DRO was approved in 3 days once submitted with no problems at all.

fatbelly

The-Inkman wrote: »

If you have payment plans you are not in debt with AT ALL and you don't want to add them then you don't have to, i have two mobile phone contracts and i didn't add them to my debt relief order because it wasn't a debt i was behind with, even though it is a contract.

As you will see on my other posts my DRO was approved in 3 days once submitted with no problems at all.

Inkman, the OP is not talking about ongoing mobile phone contacts. You are correct that they do show up on credit reports with that month's bill showing, and that those are not debts and do not go in unless you want to abandon the contracts at that point.

The OP appears to be talking about credit debts:

Three big amounts, then two other small store cards.

and so all must be added. If one is left out and then discovered then the DRO would be revoked and that's it for 6 years.