Personal Insolvency
Overwhelmed By Debt? We Can Help.
Whether you’re facing calls from creditors, threats of repossession, or simply can’t see a way out — there are options. We’ve helped hundreds of people across Ireland regain control and move forward.
Don’t be a prisoner to your debt.
You’re not alone.
We’ve seen it all!
We understand the emotional weight of financial distress. Many of our clients arrive with the same fears:
“Will I lose my home?”
“Will everyone find out?”
“Have I failed?”
People come to us ashamed, overwhelmed, and often carrying unopened letters from creditors they can’t bear to read. The first thing we offer is reassurance.
There are options. You do have rights. And you won’t face this alone.
What Is Personal Insolvency?
Personal Insolvency is a legal process that helps individuals deal with unmanageable debt while protecting their home and dignity.
There are three main routes:
Personal Insolvency Arrangement (PIA)
For people with secured and unsecured debts (e.g. mortgage arrears, credit cards, loans).
Debt Settlement Arrangement (DSA)
For people with unsecured debts only (e.g. credit cards, personal loans).
Bankruptcy
For cases where insolvency arrangements aren’t suitable — we’ll guide you through it with care.
Get in touch and we’ll explain all your options clearly, based on your exact situation.
And please, don’t worry, we are very discreet, and we’re here to help.
What Makes Us Different?
Private. Professional.
No Judgement.
600+ Insolvency arrangements completed
One of Ireland’s foremost experts in personal insolvency
You’ll always meet Alan directly
100% Confidential, discreet, and private
We prioritise keeping people in their homes
We support clients nationwide
We’ve helped over 600 people regain control.
We can help you too.
The Process
We’ll Help You Find The Way Forward.
Step 1: Enquire confidentially
Enquire via our secure online form or call us directly.
Step 2: Meet Alan
Meet with Alan McGee, PIP & Solicitor, either in-person or via Zoom.
Step 3: Receive tailored advice
After your consultation you will receive advice for your specific circumstances with a written summary of your options.
Step 4: We apply for protection
Next, we’ll apply for protection under the Personal Insolvency Act.
Step 5: Creditors are paused
Creditors are then paused immediately for 70 days while we build your case.
Step 6: A proposal is submitted
We will engage with your creditors, and put forward a proposal. Creditors vote, and (if approved) it’s finalised in court.
Step 7: We manage the arrangement
Once the court approves of the proposal, we manage the arrangement from start to finish — for up to 6 years if needed.
Step 8: Solvency!
Once the arrangement is complete, you are back to being solvent and you can move forward unburdened.
The first step feels like the hardest.
We’ll make the rest easier.
Frequently Asked Questions
What will happen….
Will I lose my home?
It is very unlikely that you will lose your home. One benefit of a PIA or DSA is that you will not be asked to sell your home so most of our clients keep their family home.
You may be asked to release some equity from it if this is available and if you can find a lender willing to re-mortgage.
The one exception to this is if the costs of running your home greatly exceed expected costs and are far beyond your budget, in this case your PIP will look at whether it would make financial sense for you to move somewhere less expensive.
Will it be public?
We treat every case with strictest confidentiality. We will NEVER advertise or publicise any particulars of your case without your explicit consent and will endeavour to ensure that the entire process is as private as possible.
However, it is a public court processs, and as such, privacy cannot be guaranteed.
Will it ruin my credit rating?
If you are applying for a PIA/DSA your credit rating has already been affected. By completing a PIA/DSA you will begin the process of restoring your credit rating.
Will I be judged?
Never.
We helped hundreds of people with personal insolvency over the past decade. We’ve seen every situation imaginable. If there is one thing we could impart on you it’s that – There is no shame in asking for help!
You Are Not Just A Case File To Us
Why Clients Choose Us?
Thousands Of Cases Handled. Countless Lives Changed.
We Literally Wrote The Book On It
Alan McGee is the author of Personal Insolvency Law in Ireland, published by Bloomsbury and used by PIPs throughout Ireland.
Insolvency & Legal Support In One Place
We’re one of the few firms in Ireland that can handle both the insolvency and legal functions you need — expertly and empathetically.
National Reach, Personal Service
We work with clients in every county in Ireland — by Zoom or in person – and our team is renowned for its personal service, discretion and professionalism.
Results You Can Trust
Over 600 arrangements approved. Thousands of legal files completed. Countless lives changed for the better.
Real People. Real Support.
You’re never just a case number with us. We’re here to listen, to guide, and to deliver options to get you back from where you are now.
It doesn’t have to be the way it is right now. Let’s solve this. Together.
Ready To Take The First Step?
It starts with a conversation. No pressure. No judgment. Just clarity.
Fill out our quick form
We’ll review your case
