A Debt Relief Order (DRO) is a statutory framework which aims to provide a debt remedy for persons with unmanageable, but relatively low, levels of debt, on a low cost basis—cases where bankruptcy would be disproportionate. They are governed by Part 5 of the Tribunals, Courts and Enforcement Act 2007, which inserts Part 7A into the Insolvency Act 1986 (IA 1986). IA 1986, s 251A provides that an individual unable to pay their debts may apply for a DRO in respect of their qualifying debts, being debts for a liquidated sum payable immediately or some certain time in the future, which is not an excluded debt or a secured debt. The application is made to the official receiver through