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Disability Benefits and Debt Relief Management

Hello,
Unfortunately I’m currently in a financial situation where things have gotten a little out of control. A DRO will wipe out up to £20K of debt.
I’ve weighed up all the options and the impact my option will have, so my question is...
Being on disability benefits only, no other money coming in at all, will this allow me to qualify for a DRO or will my disability benefits count as income therefore meaning I will have “income over £50 spare each month” which, from my understanding, disqualifies me from getting a DRO?
Thanks in advance!
Unfortunately I’m currently in a financial situation where things have gotten a little out of control. A DRO will wipe out up to £20K of debt.
I’ve weighed up all the options and the impact my option will have, so my question is...
Being on disability benefits only, no other money coming in at all, will this allow me to qualify for a DRO or will my disability benefits count as income therefore meaning I will have “income over £50 spare each month” which, from my understanding, disqualifies me from getting a DRO?
Thanks in advance!
Replies
I just found this
Benefits
Income includes money from UK state benefits (or their foreign equivalents) except income-based Jobseeker’s Allowance (JSA) or ‘tax-free’ benefits. Tax-free benefits include:
The £50 “spare income” test
You may be unsure about the £50 “spare income” level. The level of spare income will be assessed by the debt advisor that sets up your DRO (see below).
The expenses allowed are not the same as those usually used in an IVA or a DMP!
I have come across people who have had an IVA payment of over £100 proposed who have been “under £50” on the DRO criteria. If all your income comes from benefits or state pension then you will pass this test, so you don’t need to worry that disability benefits such as DLA or PIP will mean that you have too large an income.
Some people who have been struggling with debt repayments find the expenditure allowances surprisingly generous – this may be the first time for many years that you have any money to spend on clothes!