Behind on the mortgage? You have more options than you've been told.
A quiet, confidential conversation with a state-authorised Personal Insolvency Practitioner. No judgement, no obligation, and no pressure to do anything you're not ready for.
You've been coping. But it's getting harder.
You're not behind because you were careless. You're behind because life changed — a job ended, interest rates jumped, a marriage broke down, illness landed at the worst possible time — and the mortgage that used to fit stopped fitting.
For a while, you managed. Robbed Peter to pay Paul. Cut back where you could. Answered some letters, ignored others. Told yourself next month would be different.
But the arrears kept building. The bank started ringing. And now you're lying awake wondering whether you're going to lose the family home.
You're not alone in this. And you have real, legal options — most people just don't know what they are.
Three things I do for clients
Protect your home
The Personal Insolvency Arrangement was designed by the Irish government specifically to keep families in their homes while restructuring unaffordable mortgage debt. In most cases, it works.
Restructure what you owe
Whether it's a mortgage in arrears, unsecured debt swallowing your income, or both — there's a legal framework in Ireland that can reduce your repayments, write off what you can't afford, and let you move on with your life.
Deal with creditors for you
Once we begin a formal process, creditors are legally required to stop contact. No more phone calls. No more solicitor letters. You get your breathing space back.
Within days of starting, the calls stop.
When a Personal Insolvency Practitioner files on your behalf, the court issues a Protective Certificate. For 70 days — extendable — creditors are legally required to stop all contact. No more phone calls. No more letters. No repossession action. No interest building.
For most of my clients, it's the first proper night's sleep they've had in months.
Straightforward advice, without the sting.
I explain things in plain English
No legal jargon. No talking down. You'll leave the first call understanding your situation better than you have in months.
I do this every day
I've walked hundreds of Irish families through the process. There's very little I haven't seen.
I don't do pressure
If a formal arrangement isn't right for you — including if MABS or a solicitor is a better fit — I'll tell you plainly.
You keep your dignity
Financial trouble is stressful enough without being made to feel small on top of it. That doesn't happen here.
Let's have a conversation.
A free 30-minute call. Phone or video, whichever suits. Confidential, no obligation, no expectation that you'll go any further. Sometimes the hardest part is picking up the phone. If today's that day, I'm here.
Request a callback →Or ring directly: 086 8599134