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Can I Do a Debt Relief Order in the UK From Poland?

“Dear Jon,

Hi, I left U.K. at the end of 2011 because of serious family problem. I am in debt, three creditors, total 9900 pounds ( loan, credit card and overdrawn account). I have repayment plan, 5 pound to each creditor a month. At the moment to send 3×5 pound to each creditor costs 9pound per month. My income is very low at the moment, my wife has been depresed since december 2010, the fact that I am in debt has a bad impact on my family live.

Can I use a debt relief order while I am living in Poland? Can my creditors chase me in Poland? Can I arrange another repayment plan? What to do to stop warying about the debt?”

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The Answer


To my knowledge you cannot do a DRO from an EU country, just as you cannot do a UK bankruptcy from a EU country.

You can also inquire with a competent authority as well, and this link will help.

Your creditors can and may chase you for payment outside the UK, but I cannot say for sure as it would be up to them. Depending on the balances and types of debt, they may not bother.

You can arrange a debt management plan to repay the debts from outside the UK, even if it is just a token payment arrangement.

Can I Do a Debt Relief Order in the UK From Poland?Jon Emge is an experienced UK debt advisor who has helped thousands and thousands of people in the UK to deal with problem debt. Jon specialises in finding good solutions for problem debt using a variety of UK specific techniques.

If you have a question you’d like to ask about how to get out of UK debt, just use the online form. I’m happy to help you for free.

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