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  • Our Services Are Free Of Charge
  • We have a team of Financial Advisors and a Personal Insolvency Practitioner who are in place to provide expert assistance free of charge

Formal Arrangements

Financial Advice
Personal Insolvency Arrangement (Secured & Unsecured Debts)
Bankruptcy (Secured & Unsecured debts over €20,000)
Debt Settlement Arrangement (Unsecured debts – credit cards, loans, overdrafts etc)

Informal Arrangements

Financial Advice
Mortgage To Rent
Capitalisation Of Arrears
Term Extension
Reduced Interest Rate
Split Mortgage

Formal

Step 1
Prescribed Financial Statement
Step 1
Step 2
PIP Assessment & Recommendation
Step 2
Step 3
Protective Certificate Issued
All Legal Matters Put On Hold
Step 3
Step 4
Proposal Submitted to Creditors
Step 4
Step 5
Creditors Meeting Called/ Creditors voting
Step 5
Resolution
Proposal Accepted / Declined
Resolution
Resolution
S115A Court Submission
In Case Of Declined Proposal
Resolution
0%
Formal Arrangement Process Complete

Informal

Step 1
Standard Financial Statement
Step 1
Step 2
Full review assessment by a QFA
Step 2
Step 3
Potential proposal discussed with customer
Step 3
Step 4
Proposal submitted to Lender
Step 4
Step 5
Resolution from Lender
Step 5
0%
Informal Arrangement Process Complete

In many cases a formal Insolvency Arrangement is not necessary to resolve issues relating to mortgage arrears.

It is often possible to reach agreement with your Lender without having to go down the formal insolvency route.  

As part of our assessment in Irish Mortgage Holders Organisation we will take a holistic view of your circumstances and assess whether a less restrictive arrangement would be more beneficial to you.

If we feel that this is the route that is most appropriate for your circumstances we will discuss that with you before submitting any proposal to your Lender.

If however we feel that your case would be best served by a more structured Insolvency Arrangement or via Bankruptcy we will refer your case to our in house Personal Insolvency Practitioner for a further assessment.

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Our Top Tip

The sooner you begin engaging, communicating and taking appropriate actions the better the outcome for you. We are here to help with this.

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