{"id":4143,"date":"2023-07-07T08:07:04","date_gmt":"2023-07-07T08:07:04","guid":{"rendered":"https:\/\/insolvency.dgmedialink.com\/dao\/"},"modified":"2023-07-07T09:09:06","modified_gmt":"2023-07-07T09:09:06","slug":"dao","status":"publish","type":"page","link":"https:\/\/www.insolvency.gov.cy\/en\/single-digital-gateway\/insolvency-proceedings\/personal-insolvency-plans\/dao\/","title":{"rendered":"Debt Relief Order (DRO)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4143\" class=\"elementor elementor-4143 elementor-4126\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ddda21a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ddda21a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4800d12\" data-id=\"4800d12\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67785f2 elementor-widget elementor-widget-heading\" data-id=\"67785f2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 04-12-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Debt Relief Order (DRO)<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9923e39 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9923e39\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6fffb58\" data-id=\"6fffb58\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7636f74 elementor-widget elementor-widget-heading\" data-id=\"7636f74\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">General<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4c2c60 elementor-widget elementor-widget-text-editor\" data-id=\"b4c2c60\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 04-12-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<ul>\n<li>The procedure of the debt relief order refers to insolvent debtors who, provided that they meet the eligibility criteria, upon issue of the Court order, are discharged from non-secured or secured debts after the value of the security is deducted up to the amount of EUR 25 000.<\/li>\n<li>The procedure starts with the submission of a petition by the debtor to the Insolvency Department. After the completion of a successful audit, the Insolvency Department issue an attestation certifying that all eligibility criteria are met for the submission of a petition to the Court.<\/li>\n<li>Following the submission of a petition either by the Department or by the debtor, the Court may issue a debt relief order in relation to the specific debtor and the specific debts mentioned in the submitted petition.<\/li>\n<li>Upon issue of the order, the specific debtor and any specific debt guarantor are discharged from the specific debt, as well as from any other obligations relating to it.<\/li>\n<li>Specific creditors may bring appeals to the Court within one year from the issue date of the order. If the order is annulled, following an appeal by a creditor, the debtor is liable for the specified debt, as well as for any accumulated delays.<\/li>\n<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-da0c315 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"da0c315\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f67fe33\" data-id=\"f67fe33\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aff218d elementor-widget elementor-widget-heading\" data-id=\"aff218d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Requirements<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3cf5b2 elementor-widget elementor-widget-text-editor\" data-id=\"a3cf5b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The main eligibility criteria for the submission of the petition are the following:<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bab5d6 elementor-widget elementor-widget-text-editor\" data-id=\"0bab5d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul>\n<li>The monthly net disposable income of the debtor should not exceed EUR 200 taking into consideration reasonable living expenses for all the members of household.<\/li>\n<li>The value of the debtor\u2019s assets should not exceed EUR 1 000, excluding a vehicle with a value up to 4.000 and machinery used for work purposes valued up to 6.000.<\/li>\n<li>The debtor should be insolvent, i.e. should not be able to pay off their debts as they may arise, and be liable to remain insolvent for a period of one year since the submission of the petition.<\/li>\n<li>The debtor should have their ordinary residence in the Republic of Cyprus for one or more periods cumulating more than 183 days within the current tax year.<\/li>\n<li>The debtor should not be a bankrupt individual who has not recovered nor should they be a recovered bankrupt individual for a period less than 5 years from the date of submission of the petition.<\/li>\n<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e5c47c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5c47c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f6f9d8\" data-id=\"2f6f9d8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e2f37e1 elementor-widget elementor-widget-heading\" data-id=\"e2f37e1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Applications and Forms<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab6fd82 without-form-filters elementor-widget elementor-widget-shortcode\" data-id=\"ab6fd82\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n    <div class=\"govcy-container govcy-p-0\">\n       \n        <div class=\"posts-filters\">\n\n            <div class=\"filters-container row govcy-bg-light govcy-pt-3 govcy-mb-3\">\n                <form action=\"https:\/\/www.insolvency.gov.cy\/wp\/wp-admin\/admin-ajax.php\" method=\"POST\" id=\"filter-records\" class=\"govcy-form govcy-p-0 form-with-filters\">\n                    <div class=\"row\">\n                        <div class=\"govcy-form-control govcy-col-6\">\n                            <label class=\"govcy-label\" for=\"categoryfilter\">Category<\/label>\n                            <select name=\"categoryfilter\" class=\"govcy-select\"><option value=\"all\">--<\/option><option value=\"99\">Application for Issuance of Non Bankruptcy and Non Winding-Up Certificate<\/option><option value=\"106\">Applications and forms for bankruptcies<\/option><option value=\"105\">Applications and forms for companies under liquidation<\/option><option value=\"104\">Applications and forms for voluntary liquidations<\/option><option value=\"103\">Forms regarding the appointment of receiver\/manager<\/option><\/select>                        <\/div>\n                        <div class=\"govcy-form-control govcy-col-6\">\n                            <label class=\"govcy-label\" for=\"keyword\">Title\/Content<\/label>\n                            <input id=\"keyword\" name=\"keyword\" class=\"govcy-text-input\" type=\"text\">\n                        <\/div>\n                    <\/div>\n                    \n                    <div class=\"row\">\n                        <div class=\"govcy-form-control govcy-col-12\">\n                            <button class=\"govcy-btn-primary govcy-mb-0\">SEARCH<\/button>\n                            <input type=\"hidden\" name=\"action\" value=\"myfilter2\">\n                        <\/div>\n                    <\/div>\n                <\/form>\n            <\/div>\n        \n        \n            <div id=\"response\">\n                <div class=\"posts-not-found\"><p>No posts found.<\/p><\/div>            <\/div>\n        <\/div>\n    <\/div>\n    \t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-91a3a84 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"91a3a84\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b9f2cf9\" data-id=\"b9f2cf9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3090db1 elementor-widget elementor-widget-heading\" data-id=\"3090db1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"\/en\/legislation\/\u03b1\u03c6\u03b5\u03c1\u03b5\u03b3\u03b3\u03c5\u03cc\u03c4\u03b7\u03c4\u03b1-\u03c6\u03c5\u03c3\u03b9\u03ba\u03ce\u03bd-\u03c0\u03c1\u03bf\u03c3\u03ce\u03c0\u03c9\u03bd\/\">Legislation<\/a><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43df47f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43df47f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a465843\" data-id=\"a465843\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9da9c68 elementor-widget elementor-widget-heading\" data-id=\"9da9c68\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Register<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0adc2a6 elementor-widget elementor-widget-text-editor\" data-id=\"0adc2a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Insolvency Department keeps an electronic <a href=\"https:\/\/www.insolvency.gov.cy\/en\/mitroa\/dao\/\">debt relief order register<\/a> which it also publishes on its website. The details of the debt relief orders are deleted from the register one year after their issue.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0f48ba3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0f48ba3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b273f6b\" data-id=\"b273f6b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5369c28 elementor-widget elementor-widget-heading\" data-id=\"5369c28\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact Persons<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ea28e1 elementor-widget elementor-widget-heading\" data-id=\"7ea28e1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Constantinos Papaconstantinou<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cabe0e elementor-widget elementor-widget-text-editor\" data-id=\"4cabe0e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Phone: 22458306<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb34b9e elementor-widget elementor-widget-text-editor\" data-id=\"fb34b9e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Email:\u00a0<a href=\"mailto:cpapaconstantinou@insolvency.meci.gov.cy\">cpapaconstantinou@insolvency.meci.gov.cy<\/a><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-640f734 elementor-widget elementor-widget-spacer\" data-id=\"640f734\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 04-12-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5230632 elementor-widget elementor-widget-heading\" data-id=\"5230632\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Sotiria Kazakou<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfd7e12 elementor-widget elementor-widget-text-editor\" data-id=\"dfd7e12\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Phone: 22466511<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-841dcca elementor-widget elementor-widget-text-editor\" data-id=\"841dcca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Email:\u00a0<a href=\"mailto:skazakou@insolvency.meci.gov.cy\">skazakou@insolvency.meci.gov.cy<\/a><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e9c88b elementor-widget elementor-widget-spacer\" data-id=\"1e9c88b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb4d159 elementor-widget elementor-widget-heading\" data-id=\"cb4d159\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Dimitris Karakatsanis<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d29956 elementor-widget elementor-widget-text-editor\" data-id=\"1d29956\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Phone: 22466582<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5353fe elementor-widget elementor-widget-text-editor\" data-id=\"e5353fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Email:\u00a0<a href=\"mailto:dkarakatsanis@insolvency.meci.gov.cy\">dkarakatsanis@insolvency.meci.gov.cy<\/a><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-406027f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"406027f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-76bd94f\" data-id=\"76bd94f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-502faa2 elementor-widget elementor-widget-shortcode\" data-id=\"502faa2\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">Last Modified: 07\/07\/2023<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42dbf23 elementor-widget elementor-widget-image\" data-id=\"42dbf23\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 04-12-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/europa.eu\/youreurope\/index.htm#en\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"498\" height=\"245\" src=\"https:\/\/www.insolvency.gov.cy\/wp-content\/uploads\/youreurope.jpg\" class=\"attachment-large size-large wp-image-2660\" alt=\"Your Europe\" srcset=\"https:\/\/www.insolvency.gov.cy\/wp-content\/uploads\/youreurope.jpg 498w, https:\/\/www.insolvency.gov.cy\/wp-content\/uploads\/youreurope-300x148.jpg 300w\" sizes=\"(max-width: 498px) 100vw, 498px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>General The procedure of the debt relief order refers to insolvent debtors who, provided that they meet the eligibility criteria, upon issue of the Court order, are discharged from non-secured or secured debts after the value of the security is deducted up to the amount of EUR 25 000. The procedure starts with the submission [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":4169,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insolvency.gov.cy\/en\/wp-json\/wp\/v2\/pages\/4143"}],"collection":[{"href":"https:\/\/www.insolvency.gov.cy\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.insolvency.gov.cy\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.insolvency.gov.cy\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insolvency.gov.cy\/en\/wp-json\/wp\/v2\/comments?post=4143"}],"version-history":[{"count":2,"href":"https:\/\/www.insolvency.gov.cy\/en\/wp-json\/wp\/v2\/pages\/4143\/revisions"}],"predecessor-version":[{"id":4168,"href":"https:\/\/www.insolvency.gov.cy\/en\/wp-json\/wp\/v2\/pages\/4143\/revisions\/4168"}],"up":[{"embeddable":true,"href":"https:\/\/www.insolvency.gov.cy\/en\/wp-json\/wp\/v2\/pages\/4169"}],"wp:attachment":[{"href":"https:\/\/www.insolvency.gov.cy\/en\/wp-json\/wp\/v2\/media?parent=4143"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}