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If you are struggling to pay your credit cards, loans or mortgage then 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.

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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.

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: 70% of Debt Written Off For Donegal Man


It was reported on the November 2013 that the first approved Debt Settlement Arrangement has resulted in a Donegal man getting a huge chunk of his debt written off. This is the very first debt write off deal in the country to be finalised by creditors and approved by the courts.

His Personal Insolvency Practitioner helped him secure this deal. The man in his 40’s contacted a Personal Insolvency Practitioner looking for Free Debt Advice after his business failed. He met with his Personal Insolvency Practitioner and received free debt advice, his Personal Insolvency Practitioner sat down with him and went through all his debts, income and expenditure and advised him that a Debt Settlement Arrangement would be the best option to clear his debts.

A Debt Settlement Arrangement is a new debt settlement solution introduced by the Personal Insolvency Act 2012. It is a formal arrangement that helps an insolvent person repay a percentage of their debt in affordable monthly repayments, and their creditors agree to write off any outstanding debt once the arrangement has finished.  Unsecured debts (personal loans, store cards, overdrafts and credit cards) can be included in the Debt Settlement Arrangement and there is no limit to the amount of unsecured debt that can be included when entering into a Debt Settlement Arrangement.

This solution does not cover the write down of secured debts (mortgages or secured loans).  A Personal Insolvency Arrangement is another new debt settlement solution now available to help an insolvent person struggling to pay secured debts (mortgages or secured loans) and unsecured debts personal loans, store cards, overdrafts and credit cards.

A Personal Insolvency Arrangement is very similar to a Debt Settlement Arrangement because it is a formal arrangement that covers secured and unsecured debts and a percentage of the debt is paid and creditors can agree to write off a percentage of the outstanding debt.  A Personal Insolvency Arrangement is a great solution for anyone struggling to pay their mortgage, loans and credit cards due to a change in their circumstances. The main purpose of a Personal Insolvency Arrangement is to allow an insolvent person to regain control their financial situation and allowing them to stay in their family home.

It was reported that 70% of the man’s debt will be written off by his lenders. The debt will be written off at the end of the five year Debt Settlement Arrangement. It is understood the man started to struggle with debt when the family business failed and that three of the main banks were among the six creditors involved.

The Personal Insolvency Practitioner secured a Protective Certificate in court in Monaghan on October 21. A Protective Certificate prevents creditors from taking any legal action while allowing the Debt Settlement Arrangement to be drafted and also give the Personal Insolvency Practitioner time to negotiate with the banks and credit card companies.

If you are struggling to pay to your credit cards, loan or mortgage please don’t worry as there is now help available.  We can arrange a Free appointment for you with a Personal Insolvency Practitioner who will able to see if you are eligible for a debt solution.

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. 

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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.