DMP to DRO?

SoTiredOfThis

Hello everyone, first time post so go easy on me! Myself and my husband were in a DMP for 12 months and then due to a drop in income, it’s become unaffordable. Stepchange have put us on a token payment plan for a few months to give us time to try and sort things but to be honest, I don’t see how anything other than a lottery win will fix it.
Stepchange also suggested bankruptcy. I questioned a DRO and they said it wasn’t coming up as an option. Do you think this is because my husband has a car on HP? My dad has said he could pay off the car that is essential for my husband to get to work. It’s value according to Parker’s guide is £1500 - £2200.
Even with the HP gone, we would still be looking at a 15 year DMP.
I don’t really know what I’m asking really other than what would you do? I feel at a total loss and can’t see a way out.

RAS

The starting point is that Stepchange lost the contract to provide DROs a couple of years ago. So they can't offer them, regardless.

If you want to consider a DRO, try your local CAB.

For a DRO, you need less than £50k debt (each), low savings and a car worth less than £4k. The sticking point may be that your income after expenditure has to be less than £75 pcm. So don't let dad pay that off until you've better advice.

We can advise better if you do a statement of affairs, so we can see whether you might qualify.

The other factor is that if your spare income increases above £75 in the year the DRO runs, it fails. So you need to be fairly confident about the situation.