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Debt relief orders

A debt relief order is an order you can apply for if you can't afford to pay off your debts. It's granted by the Insolvency Service and is a cheaper option than going bankrupt.You must have debts of less than £15,000 and a low income.
Source: Advice Guide
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In the common law, legal advice is the giving of a formal opinion regarding the substance or procedure of the law by an officer of the court (such as solicitor or barrister), ordinarily in exchange for financial or other tangible compensation.