| 1. It take many more years. | 1. It takes 60-72 months. | 1. Only for those in Scotland. | 1. Only for those in England, Wales and Northern Ireland | 1. It takes 1 year |
| 2. Creditors can still take legal action | 2. Legal actions are not taken | 2. Legal protection from creditor action | 2. Creditor calls/correspondence stopped once the order is accepted | 2. Legal protection from creditor action |
| 3. Home is less protected | 3. Homes are protected | 3. Assets can be sold off | 3. Homes are protected | 3. Assets can be sold off |
| Interest and charges are not guaranteed to be frozen | 4. Interest are frozen | 4. Interests are not frozen | 4. Additional charges and interest will be frozen on creditor acceptance of a DRO | 4. Interests are not frozen |
| 5. DMP will not write-off any unaffordable debt | 5. Unaffordable Debts written-off | 5. Debts are not written off | 5. Majority of any outstanding balances can be written off completely | 5. Debts are written off after being declared bankruptcy |
