Can I apply to the Police if I have a Debt Relief Order (DRO)?

We receive a lot of calls and emails from the public asking; "Can I join the police force if I have a Debt Relief Order (DRO)?"

A Debt Relief Order or DRO is a form of bankruptcy. As such this would show on your credit file.

Bankruptcy is a serious matter and shouldn’t be taken lightly. All options should be considered before deciding on bankruptcy as there could be serious on going implications for some people.

Bankruptcy can affect your job, prospects for promotion in certain types of employment, assets and even your ability to get further credit in years to come.

When you apply to the Police you may be required to undergo a credit check. You should consider asking whether the force you are applying to considers bankruptcy a reason to prevent a person joining the Police Force. It is likely that each Force will have its own views.

If you are a Police Officer with debts problems and opt for bankruptcy you could lose your job as a result. This could lead to loss of home if it was supplied with the job.

Some private Landlords may refuse to rent to an un-discharged bankrupt, making finding a home harder.

OTHER DEBT SOLUTIONS

Debt management

• Reduce your monthly payments
• Clear your debts
• One affordable monthly payment
• Stop demands from your creditors
• No need to take out a loan
• Effects credit rating
• Fees Apply

IVA

• Write off the debt you can't afford
• No Upfront Fees to pay
• Prevent or stop legal action
• Prevents bankruptcy
• Debt free usually after 5 years
• Your credit rating will be affected

Trust Deed for Scottish Debts

• Write off all the debt you can't afford to repay
• No Upfront Fees to pay
• Prevent or stop legal action
• Prevent bankruptcy
• Lasts 3 years in most cases
• Credit rating will be affected

If you would like more information please contact us Money Advice Direct on  0800 074 6918 or fill in our form by clicking here If you are unsure as to whether an Debt Relief Order is the best way to solve your debt problems please call us on 0800 074 6918 If you wish to discuss the Debt Relief Order procedure and understand how it can help you please complete the following form or telephone freephone 0800 074 6918.

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Listed below are some of the frequently asked questions relating to Debt Relief Orders

• Introduction to Debt Relief Orders
• What is a Debt Relief Order?
• What debts can be included in a Debt Relief Order?
• What debts are excluded from a DebtRelief Order?
• Is my Hire Purchase affected by a Debt Relief Order?
• Is my Motability Car Scheme affected by a Debt Relief Order?
• Who can apply for a Debt Relief Order?
• What is a Competent Authority?
• What is an Approved Intermediary?
• What is the cost of a Debt Relief Order?
• Why should I consider a Debt Relief Order rather than Bankruptcy?
• How do I apply for a Debt Relief Order?
• Who decides if my Debt Relief Order is approved?
• What if my circumstances change whilst I am in a Debt Relief Order?
• How will my creditors know I am in a Debt Relief Order?
• What happens to interest and charges if I am in a Debt Relief Order?
• Rent Arrears and Debt Relief Order's
• Will I be allowed a reasonable standard of living?
• Debt Relief Order Case Study 1
• Debt Relief Order Case Study 2
• Debts incurred after the granting of a Debt Relief Order
• What are the restrictions of a Debt Relief Order?
• What happens if you are dishonest before or during a Debt Relief Order?
• How will a Debt Relief Order affect you?
• What debts are not covered by a Debt Relief Order?
• Will a Debt Relief Order (DRO) affect my council tenancy as I am in debt?
• Can I apply to the Police if I have a Debt Relief Order (DRO)?
• Does getting a job after getting a Debt Relief Order (DRO) affect me, because I am seriously in debt?