Can I choose which debt can go into DRO?

A question about : Can I choose which debt can go into DRO?

Hello, newbie here, please help . Due to new baby and single parent I can only work minimal hours. Income is so low, not even Ј50 left each month. I have debt around 16,000. Three big amounts, then two other small store cards. Can I leave out some of the smaller ones when applying DRO so the total is just below 15K? Thanks. (Sleep deprived new mummy)

Best answers:

• No. You can't pick and choose. The Official Receiver must refuse the DRO if they become aware you are over the Ј15K qualifying debts, or can revoke the DRO if they find out after it is made.
• The limit goes up to 20k on 1 October.
  So either wait till then or (probably not possible) make 1k of payments pro-rata across all your debts or pay Ј705 and go bankrupt.
  I can see you waiting till October. That gives you time to plan things too.
• If you have payment plans you are not in debt with AT ALL and you don't want to add them then you don't have to, i have two mobile phone contracts and i didn't add them to my debt relief order because it wasn't a debt i was behind with, even though it is a contract.
  As you will see on my other posts my DRO was approved in 3 days once submitted with no problems at all.