My husband and I were both declared insolvent and entered into an interlocking PIA, which so far has been a straightforward process. As a family of four (two young children) we were naturally very concerned about keeping a roof over their heads and maintaining as much normality about the situation as possible so they didn’t suffer. Luckily the guidelines for what constitutes reasonable expenditure in a household was quite ok to live on, although it did take some getting used to. PIA Adviser was very helpful in pointing us towards the professionals that we needed to speak to, including a personal insolvency practitioner.
Jenny and Michael Regan