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If you can’t pay back your debts in a realistic time, you can apply for insolvency.

Insolvency is a legal process that protects you from further action by your lender and writes off some or all of your debts.

Need help with insolvency?

Call us for free debt advice on

1800 937 435

The effects of insolvency can be serious, so it’s only suitable if there’s no way you can repay your debts in a realistic timeframe. If there are other options, such as making a new arrangement with your lenders, we’ll look at these alternatives first before we recommend insolvency.

But for those people who need it, insolvency can offer an end to the stress of unmanageable debts and a chance for a fresh start.

Types of insolvency in Ireland

There are several types of insolvency, and the best solution for you will depend on your individual circumstances and how much you owe.

Don’t worry if this seems complicated. Call us and our debt advisors will help you decide if any of these options are right for you.

We’ll give you full, clear advice so you understand exactly what’s involved. If insolvency is a good solution for your situation, we’ll help you get started.

What people say about us

“I was extremely pleased with the help and support and I can’t thank you enough.”

- Martin, County Carlow

Foundation for Credit Counselling (trading as StepChange Debt Charity) is a company limited by guarantee registered in England and Wales (Company No: 2757055) and a charity registered in Ireland (Registered Charity No: 20104887). Registered office: Wade House, Merrion Centre, Leeds, LS2 8NG, United Kingdom.
Authorised and regulated by the Financial Conduct Authority.

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Open Monday to Friday, 9am – 5pm. Calls free from landlines and mobiles.

StepChange Debt Charity 2018