Straightforward advice from someone who does this every day.
JP Donelon, Personal Insolvency Practitioner — helping Irish households find a legal way through unmanageable debt since 2018.
Practical experience. Statutory authority.
JP Donelon is a Personal Insolvency Practitioner authorised by the Insolvency Service of Ireland (ISI Authorisation Number: PG00307). Since 2018, he has helped hundreds of individuals and families across the Republic of Ireland restructure debt they could no longer afford — most often while keeping them in their homes.
Operating on a nationwide basis, JP works with clients across every county in Ireland, offering an initial consultation free of charge.
His approach is straightforward: understand the client's situation in full, explain the options in language that makes sense, and — when a formal arrangement is the right course — handle the entire process on the client's behalf, from creditor negotiations to court filings to the six-year supervision that follows.
"Most people come to me convinced they're out of options. They're almost never right."— JP Donelon
Credentials & standing
As a state-authorised PIP, JP is legally accountable for the advice given and the arrangements entered into on behalf of clients. That authorisation is renewed annually and is subject to ongoing oversight by the ISI — the same body that supervises every formal insolvency arrangement in the country.
A step-by-step, no-surprises process.
A free 30-minute consultation
No documents needed. You describe your situation in your own words. I ask enough to understand it. By the end of the call, you'll have a much clearer picture of what the law allows in your specific case.
A written summary of your options
If it helps, I'll follow up with a plain-English summary of what we discussed and what the potential routes forward look like. No obligation attached.
You take whatever time you need
Most people sit with it for a few days. Some come back within a week. Some come back six months later, when they're ready. All of that is fine.
If you choose to proceed, I handle it
From the initial financial disclosure through creditor negotiations, court filings, and the years of supervision that follow — that's my job. Yours is to focus on the rest of your life.
Anyone can call themselves a "debt advisor". Only a PIP is state-authorised.
Anyone in Ireland can put "debt advisor" on a business card. Only a small number of professionals — Personal Insolvency Practitioners — are state-authorised to actually enter into formal insolvency arrangements on behalf of a client.
Working with a PIP means:
- You are protected by statutory professional standards
- Your arrangement is filed with, and supervised by, the Insolvency Service of Ireland
- The fees are largely paid by creditors, not by you
- There is legal accountability if something goes wrong
MABS — the Money Advice and Budgeting Service — is the state's free advice body and an excellent first port of call for straightforward situations. For anything involving mortgage arrears, secured debt, or arrangements requiring court approval, a PIP is the right professional to speak to.
No pressure. Just a conversation.
Free, confidential, 30 minutes. Phone or video. You'll leave with a clearer picture of where you stand — and what's possible.
Request a callback →Or ring directly: 086 8599134