Struggling to commit to a DRO

skyblue9320

Long story short I’ve spoken with Citizens Advise and I currently qualify for a debt relief order but I’m worried about the consequences it will have on me moving forward. I’m currently out of work and will struggle to get a job for at least a year because I’ve just been given a community order which is a criminal record for a year. I get universal credit with the LCWRA element because of my mental health and I also get PIP.

if I go ahead with the DRO I’m worried that I’ll have to stay unemployed for a full year. If I managed to gain employment I could cancel my benefits but I feel that is a risk not worth taking. I’m also worried that it will have massive consequences when it comes to renting. I live in a house share and my room is far too small, it’s effecting my mental health and I want to be able to move to a new house share. If I go insolvent my fear is that no landlord will take me and then I’m stuck here for six years which is not an option.

i do have the other option of trying my hardest to get a job and starting a DMP but with my mental health, criminal record, disabilities and all the rest it might be wise to commit to the DRO and have a fresh start.

Any advice would be appreciated. 

fatbelly

skyblue9320 said:

Long story short I’ve spoken with Citizens Advise and I currently qualify for a debt relief order but I’m worried about the consequences it will have on me moving forward. I’m currently out of work and will struggle to get a job for at least a year because I’ve just been given a community order which is a criminal record for a year. I get universal credit with the LCWRA element because of my mental health and I also get PIP.

Well that sounds like it dovetails with your 12-month moratorium perfectly 

Go for it. They are free.

If your circumstances do change over the next 12 months, post again in the DRO section

sourcrates

Can`t see a downside to this, most landlords only do a landlord check, which is basically to confirm you are who you say you are, plenty of folk rent just fine whilst in or after a DRO.

Take the opportunity now to get rid of your debt, a year goes by surprisingly quickly.

ManyWays

If you need to move soon, then it's probably best to do it now, before a DRO. However, if you can't afford to move, then the next 12 months, when you know it will be hard to find work, will be less stressful with the debts at least sorted and you having a clean start after that.