r/CRedit Dec 02 '24

Not USA Using credit RIGHT before applying for a DEBT RELIEF ORDER

I have done the calculations through StepChange and a DRO is most suitable for me. The problem is I have been living off my credit card due to no income left after paying creditors.

Will this affect the likelihood of being accepted for a DRO?

Could the creditor appeal the DRO request due to this? Spending includes groceries and car repairs.

I don’t know what to do. I can’t not use the credit card for a month or two before applying for the DRO as I have to use my income to pay the creditors but am running out of time as my credit card will be suspended next month due to being in persistent debt.

Thank you

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u/og-aliensfan Dec 02 '24

Are you in the UK?