{"id":231,"date":"2025-09-12T10:43:26","date_gmt":"2025-09-12T10:43:26","guid":{"rendered":"https:\/\/mccambridgeduffy.ie\/articles\/?page_id=231"},"modified":"2025-09-19T08:04:13","modified_gmt":"2025-09-19T08:04:13","slug":"debt-guides","status":"publish","type":"page","link":"https:\/\/mccambridgeduffy.ie\/articles\/debt-guides\/","title":{"rendered":"Debt Guides"},"content":{"rendered":"\n<p>Click the links below to read or download our debt help and information guides.<\/p>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:35% auto\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"356\" src=\"https:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/guide-thumbnail.jpg\" alt=\"\" class=\"wp-image-232 size-full\" srcset=\"https:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/guide-thumbnail.jpg 250w, https:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/guide-thumbnail-211x300.jpg 211w\" sizes=\"auto, (max-width: 250px) 100vw, 250px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\">Debt Solutions Guide<\/h2>\n\n\n\n<p>We created the <strong>Debt Solutions Guide<\/strong> to provide an overview of the options available. It includes information about:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Each debt solution<\/li>\n\n\n\n<li>The role of a PIP (Personal Insolvency Practitioner)<\/li>\n\n\n\n<li>Step-by-step insolvency process<\/li>\n\n\n\n<li>Details on the Abhaile Scheme<\/li>\n\n\n\n<li>Some information about our company<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.mccambridgeduffy.ie\/Debt-Solutions-Guide.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Debt Solutions Guide<\/strong><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:35% auto\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"356\" src=\"http:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/PIA-thumbnail.jpg\" alt=\"\" class=\"wp-image-215 size-full\" srcset=\"https:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/PIA-thumbnail.jpg 250w, https:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/PIA-thumbnail-211x300.jpg 211w\" sizes=\"auto, (max-width: 250px) 100vw, 250px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\">PIA Guide<\/h2>\n\n\n\n<p>A Personal Insolvency Arrangement (PIA) can help if you have both <strong>secured debt (like a mortgage)<\/strong> and unsecured debts. It gives you the chance to restructure your debts in a sustainable and affordable way, while protecting your family home where possible.<\/p>\n\n\n\n<p>The <strong>PIA Guide<\/strong> includes information on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How a PIA works<\/li>\n\n\n\n<li>What happens to a mortgage in a PIA<\/li>\n\n\n\n<li>Example of how a PIA could work<\/li>\n\n\n\n<li>Pros &amp; Cons of a PIA<\/li>\n\n\n\n<li>The PIA process from start to finish<\/li>\n\n\n\n<li>Client reviews<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.mccambridgeduffy.ie\/PIA-Factsheet.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>PIA Guide<\/strong><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:35% auto\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"356\" src=\"http:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/DSA-thumbnail.jpg\" alt=\"\" class=\"wp-image-212 size-full\" srcset=\"https:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/DSA-thumbnail.jpg 250w, https:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/DSA-thumbnail-211x300.jpg 211w\" sizes=\"auto, (max-width: 250px) 100vw, 250px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\">DSA Guide<\/h2>\n\n\n\n<p>A DSA is designed for people with unsecured debts such as credit cards, loans or overdrafts. It allows you to make affordable repayments to your creditors, usually over a period of up to five years. Once completed, the remaining debt is written off.<\/p>\n\n\n\n<p>The <strong>DSA Guide<\/strong> includes information on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How a DSA works<\/li>\n\n\n\n<li>Example of a DSA<\/li>\n\n\n\n<li>Pros &amp; Cons of a DSA<\/li>\n\n\n\n<li>The DSA process from start to finish<\/li>\n\n\n\n<li>Client reviews<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.mccambridgeduffy.ie\/DSA-Factsheet.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>DSA Guide<\/strong><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:35% auto\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"356\" src=\"http:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/DRN-thumbnail.jpg\" alt=\"Debt Relief Notice | DRN Guide\" class=\"wp-image-221 size-full\" srcset=\"https:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/DRN-thumbnail.jpg 250w, https:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/DRN-thumbnail-211x300.jpg 211w\" sizes=\"auto, (max-width: 250px) 100vw, 250px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\">DRN Guide<\/h2>\n\n\n\n<p>A DRN is suitable for people on a low income with little or no assets and debts totaling no more than \u20ac35,000. If granted, it allows you to clear your debts after a three-year supervision period, giving you the chance to start over.<\/p>\n\n\n\n<p>The <strong>DRN Guide<\/strong> includes information on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How a DRN works<\/li>\n\n\n\n<li>What happens to a mortgage in a PIA<\/li>\n\n\n\n<li>Pros &amp; Cons of a DRN<\/li>\n\n\n\n<li>The DRN process<\/li>\n\n\n\n<li>Client reviews<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.mccambridgeduffy.ie\/DRN-Factsheet.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>DRN Guide<\/strong><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:35% auto\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"356\" src=\"http:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/BKY-thumbnail.jpg\" alt=\"Bankruptcy Guide\" class=\"wp-image-222 size-full\" srcset=\"https:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/BKY-thumbnail.jpg 250w, https:\/\/mccambridgeduffy.ie\/articles\/wp-content\/uploads\/2025\/09\/BKY-thumbnail-211x300.jpg 211w\" sizes=\"auto, (max-width: 250px) 100vw, 250px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\">Bankruptcy Guide<\/h2>\n\n\n\n<p>Bankruptcy is a solution for those who cannot reasonably repay their debts. It usually lasts for one year, after which most debts are written off, allowing you a fresh start. However, it is considered a last resort option and all other insolvency solutions must have been explored before you can go down this route.<\/p>\n\n\n\n<p>The <strong>Bankruptcy Guide<\/strong> includes information on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How does Bankruptcy work<\/li>\n\n\n\n<li>Pros &amp; Cons of Bankruptcy<\/li>\n\n\n\n<li>The process of Bankruptcy<\/li>\n\n\n\n<li>Client reviews<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.mccambridgeduffy.ie\/Bankruptcy-Factsheet.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Bankruptcy Guide<\/strong><\/a><\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Click the links below to read or download our debt help and information guides.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-231","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mccambridgeduffy.ie\/articles\/wp-json\/wp\/v2\/pages\/231","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mccambridgeduffy.ie\/articles\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mccambridgeduffy.ie\/articles\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mccambridgeduffy.ie\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mccambridgeduffy.ie\/articles\/wp-json\/wp\/v2\/comments?post=231"}],"version-history":[{"count":15,"href":"https:\/\/mccambridgeduffy.ie\/articles\/wp-json\/wp\/v2\/pages\/231\/revisions"}],"predecessor-version":[{"id":254,"href":"https:\/\/mccambridgeduffy.ie\/articles\/wp-json\/wp\/v2\/pages\/231\/revisions\/254"}],"wp:attachment":[{"href":"https:\/\/mccambridgeduffy.ie\/articles\/wp-json\/wp\/v2\/media?parent=231"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}