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	<title>Debt Relief Orders</title>
	<link>http://debtrelieforders.co.uk</link>
	<description>Debt Relief for the Socially Excluded</description>
	<lastBuildDate>Sat, 08 Aug 2009 09:17:54 +0000</lastBuildDate>
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		<title>Debt Relief Order - First Official Numbers</title>
		<description><![CDATA[The first official numbers for Debt Relief orders are out, which are not amazing, but better than the numbers that were being discussed a few months ago.
The numbers released say that 1,978 people in England and Wales took out a DRO during April, May &#38; June 2009 - the first three months of the service [...]]]></description>
		<link>http://debtrelieforders.co.uk/2009/08/08/debt-relief-order-first-official-numbers/</link>
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		<title>Debt Relief Order ideal for Students?</title>
		<description><![CDATA[One of the biggest issues that is stopping many DRO applications is the fact that virtually any pension plan will break the £300 assets limit, as we have discussed in the past. But one group of people unlikely to have any kind of pension provision are students.
The life of a student nowadays is a long [...]]]></description>
		<link>http://debtrelieforders.co.uk/2009/06/24/debt-relief-order-ideal-for-students/</link>
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		<title>Debt Relief Orders Not Taking Off?</title>
		<description><![CDATA[Despite the early optimism about DROs, and the fact that they could help many thousands of people stuck in the debt trap, Accountancy Age is reporting that only between 50 and 70 have actually been granted by the Official Receiver.
Early predictions of 150,000+ by the end of the year look to be missed by a [...]]]></description>
		<link>http://debtrelieforders.co.uk/2009/06/16/debt-relief-orders-not-taking-off/</link>
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		<title>Debt Relief Orders Moratorium Period</title>
		<description><![CDATA[When you start a Debt Relief Order, there is a Moratorium Period placed on the debts listed in your DRO. But what does this mean, and what are the implications?
First of, the moratorium is basically the time period during which your financial situation must stay broadly the same as when the debt relief order is [...]]]></description>
		<link>http://debtrelieforders.co.uk/2009/04/25/debt-relief-orders-moratorium-period/</link>
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		<title>Debt Relief Order Process open to Fraud?</title>
		<description><![CDATA[As debt relief orders begin to gain traction and become a useful tool in the insolvency practitioners toolkit, some are asking whether the process is open to fraudulent claims, due to the lack of resources and powers of investigation available.
Although DRO applicants should match the basic requirements of a debt under £15,000, assets of £300 [...]]]></description>
		<link>http://debtrelieforders.co.uk/2009/04/25/debt-relief-order-process-open-to-fraud/</link>
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		<title>Debt Relief Order Allowances</title>
		<description><![CDATA[One of the key parts of a Debt Relief Order is that you must have £50 or less disposable income per month. But how exactly do they decide on what your disposable income is? Well a member of Money Saving Expert has managed to find out from a CCCS representative&#8230;
This forum post says the following:

£446 [...]]]></description>
		<link>http://debtrelieforders.co.uk/2009/04/23/debt-relief-order-allowances/</link>
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		<title>Pensions and Debt Relief Orders</title>
		<description><![CDATA[A minor point of difference between the details surrounding a Debt Relief Order and full bankruptcy is how pension funds are treated, and this could make the world of difference to your application.
The Debt Relief Order rules of acceptance state that you cannot have assets values at more than £300 (apart from specifci exclusions that [...]]]></description>
		<link>http://debtrelieforders.co.uk/2009/04/20/pensions-and-debt-relief-orders/</link>
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		<title>Massive response to Debt Relief Orders</title>
		<description><![CDATA[Although none of the approved intermediaries have come and publicly with details on debt relief order uptake, anecdotal information seems to imply that they are all being inundated with applications, to the point that various internal systems crashed badly initially. This has meant that many people applying on, or slightly after the launch date have [...]]]></description>
		<link>http://debtrelieforders.co.uk/2009/04/18/massive-response-to-debt-relief-orders/</link>
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		<title>How to find an Approved Intermediary</title>
		<description><![CDATA[Debt Relief Orders can only be applied for via an approved intermediary. These intermediaries have been authorised as being able to assist and advise individuals on the completion of a DRO application. They are authorised by companies considered to be competent authorities. The list below lists the initial list of competent authories issued by the [...]]]></description>
		<link>http://debtrelieforders.co.uk/2009/04/06/how-to-find-an-approved-intermediary/</link>
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		<title>Consequences of a Debt Relief Order</title>
		<description><![CDATA[If you are able to qualify for a DRO, there are some consequences which you will need to be aware of, which may affect how you feel. In reality, these consequences will be nowhere near as bad as the initial debt for many people that DROs are targetted at.
The first things is pretty positive for [...]]]></description>
		<link>http://debtrelieforders.co.uk/2009/04/06/consequences-of-a-debt-relief-order/</link>
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