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If you are struggling with unmanageable debt you may be eligible to have up to 70% of your debt written off.

Government legislation is now in place to help Irish people who are burdened with debt. The Personal Insolvency Act 2012 introduced new debt settlement solutions to help people in Ireland become debt free.

The Debt Settlement Arrangement, Personal Insolvency Arrangement, Debt Relief Notice and Bankruptcy are now available and you may be able to write off some or all of your debt.

Request a Free call from a Personal Insolvency Practitioner or an Independent Debt Advisor through our website today and they will be able to check if you are eligible to have up to 70% of your debt written off.

Thousands of people in Ireland are struggling with debt and we understand that being in debt can be very stressful. Speaking to a professional about your debt problem can offer you peace of mind and can put a stop to those sleepless nights as there is always a solution.

All debt problems can be solved, so if you are struggling to pay your  loans, credit cards or mortgage please do not ignore the problem, it’s vital to take action now and take control of your finances.

Whatever your financial situation, whatever your circumstances, a Personal Insolvency Practitioner or Debt Advisor can work with you to help you find the best solution to clear your debts

If you would like Free Debt Advice please fill in our short call back form to receive your FREE appointment, there is no charge to speak with an Independent Debt Advisor or Personal Insolvency Practitioner and anything you discuss is kept strictly confidential.

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Click on the arrange a call back button below or phone us on 01 4434125 to receive Free Debt Advice Today. 

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Debt Help News: First Personal Insolvency Arrangement Agreed


According to the news on the 25th of January 2014 a leinster based family were the very first couple to have a Personal Insolvency Arrangement (PIA) agreed in Ireland.

A Personal Insolvency Arrangement is a formal debt settlement solution that helps a debtor deal with unaffordable secured debt (mortgages and secured loans) and unsecured debt (loans, credit cards and overdrafts)

This is the first Personal Insolvency Arrangement to be formally passed by creditors and is expected to be followed by thousands more going forward.

According to the news the majority of the seven lenders they owed money to agreed to a Personal Insolvency Arrangement (PIA) which will see a large chunk of the debt written off at the end of their six year deal. The couple who were self employed started to struggle when their income collapsed due to the downturn and they were seeking a deal on debts of €600,000.

A Personal Insolvency Arrangement usually involves the write down of mortgage debt which makes the mortgage payment more affordable and also usually includes the write down of unaffordable unsecured debt (credit cards and loans)

A Personal Insolvency Practitioner (PIP) negotiated this debt write off deal for the couple and the Personal Insolvency Practitioner will be responsible for administering the Personal Insolvency Arrangement until its completed.

A Debt Settlement Arrangement is another debt solution available now and a large number of these debt settlement solutions have already been agreed since the Personal Insolvency Act was put in place. A Debt Settlement Arrangement does not include mortgage debt but includes any unsecured debts like credit cards, credit union loans, bank loans and catalogues.

It’s brilliant to finally see that people burdened with unaffordable debt are starting to see a light at the end of the tunnel. Irish insolvent people can now have unmanageable debt written off which will then give them a fresh start.

I remember when creditors would only agree to freeze or reduce the interest on a debtors credit card or loan. We now have legislation in place where creditors are agreeing to write off debt and debtors are getting formal arrangements in place with the help of a Personal Insolvency Practitioners.

These debt write off arrangements also give the indebted person affordable monthly payments/protects them from legal action and they know when their debt will be paid off.

If you are struggling to pay your credit card debt, loans or mortgage then contact us today on 01 4434125 and find out for free if you qualify for up to 70% debt write off.

Click on the call back button below or phone us on 01 4434125 to receive Free Debt Advice Today. 

R.McGonnell 23rd January 2017


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Customer Testimonial by Agnes. Co. Galway

Rory McGonnell and his team have been our rock since we started with Bright Day Finance! I don’t know what we would have done without him to sort out our finances it’s been a weight off our shoulders and we have been able to sleep better and not be so stressed knowing he’s taking care of our debts. He always contacts to make sure we are happy with everything and that if we need any more help with friends or family he is always there to listen and advice. read more customer testimonials

Independent Online Marketing Agent

Bright Day Finance is now an independent online marketing agent who acts as an introducer to independent debt advisors and authorised Personal Insolvency Practitioners. Each advisor is authorised and regulated. We are not authorised to give debt advice and we are not liable for any advice provided by or obtained through a third party. The information published on the website is for information purposes only.