Become debt free in 72 months, freeze charges and interest, stop creditors from hassling you with an Personal Insolvency Arrangement (PIA).

Unmanageable debt is stressful and frightening; having your cards rejected when shopping, and bounced cheques and direct debits pushing you ever deeper month after month.

Then there’s watching your money disappear the moment it’s paid into your bank account, and of course trying to deal with unpleasant creditors who don’t care about how much they upset you at all. A Personal Insolvency Arrangement (PIA) can stop all this in its tracks. PIAs are a government-approved method of sorting out your debt and getting your finances – and life - back on track permanently.

How Does It Work?

With the help of a Personal Insolvency Practitioner (PIP), you come to an agreement (a PIA) with your secured and unsecured creditors to change your original lending contract and pay them an alternative lower amount over a different length of time. Over 72 months you pay one affordable monthly payment to your PIP, who acts as a go-between and distributes your payment between your creditors. You don’t need to deal with creditors anymore. After your PIA is complete your unsecured debt balances are written off while your remaining secured debt is dealt with according to the agreement. More on how a PIA it works here.

Do You Qualify For A Personal Insolvency Arrangement?

You could be awarded a PIA if you can answer yes to these questions:

• Are employed or self-employed?

• Have you lived in the Republic of Ireland for 12 months?

• Have you at least one secured debt attached to Irish property or assets?

• Do you owe more than €20,000 unsecured debt

• Do you owe no more than €3million secured debt?

• Have you cooperated with your mortgage lender for six months over any arrears?

• Is this your first PIA?

If you can answer yes to these questions, it’s easy to get the ball rolling today!

All you have to do is call one of our experienced and friendly PIA Advisers on 0800 193 1024, or use our PIA Calculator to see if you qualify. They will go through all of your options and tell you straight away whether a PIA is your key to a happier debt-free future.

Get your life back with a PIA. Stop struggling and start living. Eliminate stress, tackle your debts and build a new future for yourself.