Acts 435 Giving to anyone who has need

"A Debt Relief Order (DRO) is a way of dealing with your debts if you can’t afford to pay them. It means you don’t have to pay certain kinds of debt for a specified period (usually 12 months). At the end of the DRO period, the debts included in it will be written off (‘discharged’) and you won’t have to pay them." - taken from

Someone who has reduced living expenses, and with debts of less than £20,000, can be eligible for a Debt Relief Order, which must be done by an approved intermediary. You can read more about the practicalities of a Debt Relief Order in our blog from 2013:

The cost of a Debt Relief Order is £90, which for someone already struggling is a significant sum of money. Many intermediaries have their own bursaries or funds, but quite often these aren't available. That's where Acts 435 donors can step in to provide a Debt Relief Order fee, and help someone to have the debts "written off" - and give someone that freedom.

Not only does it give the Acts 435 recipient a feeling of hope that someone would help, but it has a much longer lasting effect as they're released from the burden of debt. It can take someone years to seek help with their debts, and the relief of knowing that their debts will be cleared through the process of a Debt Relief Order is significant. One single mum from Halifax said she was being "crippled" by her debts, and on receiving the fee for her Debt Relief Order wrote this:

"I am so very very grateful for your help in getting rid of debt that was crippling me and making me feel useless and hopeless. I no longer feel nervous about leaving my home and enjoying going out with my children. Thank you so very very much!"

Also, as a charity, we are seeing more and more individuals who have suddenly lost their income due to Covid-19 and have been instantly trapped into debts, as they're unable to keep up with payments that used to be achievable on their salary.

Could you give hope to those who, after years, are finally achieving their need to be free from debt? Or those who have found themselves in this hardship due to Covid-19?

If you would like to give specifically to individuals who are struggling with debt, take a look at our giving page: