Protect your home and
deal with problem debts.
The first step to contact us is often the most difficult. If you are not sure, please phone us on 1800 99 00 99.
Get closer to peace of mind with just three steps.
Step One
Online Assessment
Step Two
Initial discussion
Step Three
Proceed to free consultation*
Benefits of a Personal Insolvency Arrangement
Protect your home
A Personal Insolvency Arrangement (PIA) in most cases allows for you to remain in your family home.
Clear end date
A PIA can last from a couple of months to a maximum of 7 years. Regardless of the term, you will have a clear date of when you will return to solvency.
Debt writedowns
A PIA can allow for some of your debt to be written off. This applies both to secured (mortgage) and unsecured debts (personal loans / credit cards / credit union).
Simplify your debts
A PIA consolidates your debts which simplifies your finances considerably.
Secured & Unsecured debt
A PIA looks at your entire financial situation, not just your mortgage. Credit cards, personal loans & credit unions will all be dealt with.
Reduce your interest rate
As well as seeking a debt writedown where possible, a PIA can also propose to reduce the interest rate and term of your debt.
How it Works…
Complete the 30 second online assessment
If eligible, we will proceed to a full consultation. This consultation is free if you are in arrears on your family home mortgage. Funded through the Abhaile Scheme.
What Our Clients Say
"Thank you Cathal for all your work to secure our home and give us peace of mind in our final years"
V & A
PIA Clients
"I am so grateful to you for all of your work to keep me in my home. The stress was just unbearable. But the moment we first met I knew you understood my situation and were there to help.
V Mc
PIA MTR Client
"We had buried our head in the sand and were up in court for repossession. We met with Cathal who worked on a plan to not only keep us in our home but put us on a path to own it. The debt collector's are now gone and we can focus on living stress free again.
N & U
PIA Clients
News & Insights
Beyond the Headlines: The Real Drivers of Insolvency in 2025
A 2025 review of the true causes of mortgage arrears. We analyse how health issues, job loss, and separation drive insolvency, and how the Personal Insolvency framework offers a solution for everyone.
Tracker Mortgage Scandal Ireland: How to Protect Your Home
If you watched the recent RTÉ documentary “Trackers: The People v The Banks”, you probably felt a familiar mix of anger and frustration. In Ireland, the tracker mortgage scandal is not just history. For many households, it is still shaping day-to-day life.
What is the Abhaile Scheme?
What is the Abhaile Scheme? Are you having trouble paying your mortgage? Are you worried that you might lose your home because...
