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Government legislation is now in place to help Irish people who are burdened with debt.

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

The Personal Insolvency Act 2012 introduced new debt settlement solutions to help people in Ireland become debt free.

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

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

If you would like Free Debt Advice please fill in our short call back form, there’s no charge to speak with a Debt Advisor or Personal Insolvency Practitioner and anything you discuss is kept strictly confidential.

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.

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 then let us arrange a FREE appointment for you with a Debt Advisor or Personal Insolvency Practitioner who will be happy to see if you are eligible to have your debts written off.

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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: Personal Insolvency Practitioner Solves Debt Problem


On the 25th of January 2014 a family from leinster were the very first debtors 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 (mortgage and secured loans) and unsecured debt (credit card debt, loans)

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 Irish Independent the couple started to struggle when their income collapsed due to the downturn and they were seeking a deal on debts of €600,000. 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.

A personal insolvency arrangement usually involves the write down of mortgage debt which then makes the mortgage payment more affordable and also usually includes the write down of unaffordable unsecured debt (credit cards and loans)

A large number of debt settlement arrangements (DSAs) 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.

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 it finishes.

It is great 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 Practitioner.

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

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Customer review 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

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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.