Confidential debt advice & personal finance services Call us today on: 01 4434125

Call Me Back

Let Bright Day Finance take control of your debts and reduce the financial stress.

See If You Qualify For 70% Debt Write Off




Privacy Policy

Receive Free Debt Advice In Ireland

Free Confidential Debt Advice

 

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 introduced new solutions to help people in Ireland become debt free.

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

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 ask for help and take control of your finances.

Whatever your financial situation, whatever your circumstances an Independent Debt Advisor can offer you free debt advice which will help you find the best solution to clear your debts.

If you would like Free Debt Advice please fill in our callback form, there is no charge to speak with an Independent Debt Advisor and anything you discuss is kept strictly confidential.

We can arrange a FREE Consultation with an Independent Advisor who will be able to see if you are eligible to have your debts written off.

Complete our form to see if you qualify for 70% debt write off or phone us on 01 4434125 to receive Free Confidential Debt Advice today. 

Frank W. from Westmeath

“I cannot thank Rory and his staff enough for all the help they gave me with my debt problems. I was burying my head in the sand letting my debts escalate until I rang Bright Day Finance and spoke to Rory.

After my first chat with him I could see a light at the end of the tunnel, now I’m paying my debts at a rate I can afford and Rory handles my creditors which I can honestly say is a weight off my mind, that’s why I would have no hesitation in recommending Bright Day Finance to anyone”

Liz G. from Wexford

“Since I found Bright Day Finance my life has become less stressful, no longer am I dreading the end of the month and worrying about where I am going to find the money to pay back my debts.

Rory gave me some very sound advice and has taken over handling them for me. I cannot praise Rory or his team enough, they came up with a suitable and affordable payment plan for me, now my creditors are happy and so am I. Thank you Bright Day Finance”

Debt Help News: Couple Receive 53% Write Down On Mortgage

According to the news a Limerick couple had 53% written off their mortgage on the 12th of August 2015. It was reported that their lender had threatened them with repossession until their Personal Insolvency Practitioner stepped in to help them secured this deal.

The couple can now hold on to their home and have secured a mortgage write-down of 53% under a new debt solution called a Personal Insolvency Arrangement (PIA).

This type of solution will reduce down the debtor’s mortgage payment to a more affordable amount.

It will also include the write down of mortgage debt and unsecured debts like credit cards, loans or overdrafts. The arrangement also give a debtor legal protection from their creditors for 6 – 7 years.

It was reported that the Personal Insolvency Arrangement (PIA) was approved at the personal insolvency court in Ennis and that the Judge approved a €98,250 write down their  mortgage. According to the news the couple got into debt when the man suffered a stroke and his wife had to give up work to become his full time carer.

A Personal Insolvency Arrangement is a debt settlement solution that was introduced by the Government through the Personal Insolvency Act 2012. It is a formal agreement that includes secured and unsecured debts where a percentage of the debt is paid and creditors agree to write off any outstanding debt. If you are struggling to pay your secured debt (mortgage and secured loans) and unsecured debt (credit card, loans and overdrafts) then this could be the right solution for you.

This type of solution will reduce down the debtor’s mortgage payment to a more affordable amount. It will also include the write down of mortgage debt and unsecured debts like credit cards, loans or overdrafts. The arrangement also give a debtor legal protection from their creditor for 6-7 years.

The Personal Insolvency Arrangement approved provides the mortgage lender with the best option because they will get more out of it than if the property was sold. This case demonstrates that the personal insolvency system is working and it’s fantastic to see that anyone struggling with mortgage debt can now get the help they need.  Lots of cases like this have been approved since August 2015 and we will see a lot more mortgages restructured under Personal Insolvency Arrangements in the future. 

If you have experienced a change in your circumstances and are finding it difficult to pay your mortgage and other debts then don’t panic there is help available.

We can arrange a FREE Consultation 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.  

Complete our form to see if you qualify for 70% debt write off or phone us on 01 4434125 to receive Free Debt Advice today. 

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.