Articles
27 January, 2026 / 27 January, 2026 by admin
A Personal Insolvency Arrangement, commonly referred to as a PIA, is a formal debt solution designed to help individuals deal with unsustainable secured and unsecured debt in an affordable way. It is often used where mortgage arrears are involved and where retaining the family home is a priority. Although the term can sound technical, the […]
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15 January, 2026 / 15 January, 2026 by admin
How a Protective Certificate can give you breathing space and protect you from creditors while exploring a debt solution in Ireland.
17 November, 2025 / 17 November, 2025 by admin
When a company begins to experience financial difficulty, directors often focus on immediate cash flow pressures and day-to-day survival. However, when insolvency becomes likely, a director’s responsibilities change significantly. Understanding these duties early can help reduce personal risk and lead to better outcomes for everyone involved, including creditors, staff and the business.
11 November, 2025 / 11 November, 2025 by admin
As winter sets in, many households across Ireland are starting to feel the financial squeeze. Between rising heating costs, higher food prices and the pressures of Christmas spending, this time of year can quickly turn from festive to financially stressful.
6 November, 2025 / 6 November, 2025 by admin
If you are dealing with unmanageable debt, such as credit cards, loans or mortgage arrears, and can’t see a way of regaining control over the situation, then Personal Insolvency might be a suitable option. Personal insolvency offers a legal, affordable and structured way to deal with debt in Ireland, but like any formal solution, it’s […]
3 November, 2025 / 3 November, 2025 by admin
When you apply for an insolvency solution in Ireland, one of the first things that will be assessed is how much you can afford to repay towards your debts. This is worked out using set guidelines called Reasonable Living Expenses (RLEs). RLEs determine how much money you need to maintain a reasonable standard of living, […]
Videos
15 October, 2025 / 15 October, 2025 by admin
Key Updates for Accountants, Advisors and Legal Professionals Our 2025 Insolvency Insights Webinar brought together three leading professionals to provide insights on corporate and personal insolvency in Ireland: This session explores how directors can protect themselves when a business becomes insolvent, what legal risks arise during liquidation, and how Ireland’s personal insolvency system continues to […]
7 October, 2025 / 7 October, 2025 by admin
When creditors reject a Personal Insolvency Arrangement (PIA) proposal, it can feel like the end of the road. Many people worry that the next step will be bankruptcy, with all the stress and uncertainty that brings. But a rejection doesn’t always mean that bankruptcy is inevitable. In some cases, you may still be able to […]
30 September, 2025 / 30 September, 2025 by admin
A Debt Settlement Arrangement (DSA) is a formal debt solution available in Ireland that allows people to restructure unsecured debts and pay them off in an affordable way, over an agreed period of time. The remaining balance is usually written off at the end of successful completion. It’s designed to give people a fresh start […]
25 September, 2025 / 25 September, 2025 by admin
Mary’s story Mary, a single mother in her mid-40s working in social care, found herself in serious financial difficulty after the breakdown of her marriage. Ten years ago, she and her young son moved out of the family home and into rented accommodation, while her ex-husband remained in the property.
