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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.

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.

If you need debt advice, please call the MABS helpline now on 0761 07 2000. They're open Monday to Friday from 9am to 8pm.

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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StepChange Debt Charity 2021