McCambridge Duffy Ireland

McCambridge Duffy Ireland Supporting people and businesses through financial difficulty. We’re here to help.

We provide free, confidential advice and tailored insolvency solutions to help with:
• Business debts
• Unaffordable mortgages
• Arrears & repossession
• Other unmanageable debts One of Ireland’s Leading Personal and Corporate Insolvency Firms

Are you struggling with business debts, mortgage payments, arrears, repossession threats, or overwhelming debts such as credit cards or loans? We offer fre

e, confidential, no-obligation debt advice tailored to your situation. Personal Insolvency Solutions
We specialise in:

- PIAs (Personal Insolvency Arrangements)
- DSAs (Debt Settlement Arrangements)

To apply for these solutions, you’ll need a Personal Insolvency Practitioner (PIP). Our team includes four in-house PIPs, all authorised by the Insolvency Service of Ireland. Corporate Insolvency Solutions

For business owners, we provide expert guidance on:

- CVLs (Creditors Voluntary Liquidation)
- MVLs (Members Voluntary Liquidation)
- SCARP (Small Company Administrative Rescue Process)
- Examinership

We also work with professional advisors, such as accountants, solicitors, and MABS advisors who may have individuals or businesses that need insolvency advice.

Is a Debt Settlement Arrangement (DSA) right for you?A DSA might be worth exploring if:✓ Your debts are unsecured (loans...
09/06/2026

Is a Debt Settlement Arrangement (DSA) right for you?

A DSA might be worth exploring if:
✓ Your debts are unsecured (loans, credit cards, overdrafts)
✓ You have some disposable income, but not enough to clear what you owe
✓ You want to avoid bankruptcy
✓ You're looking for a regulated, formal solution

A DSA is a formal agreement between you and your creditors that restructures your unsecured debts over an agreed period. At the end of it, any remaining balance is written off.

It's not right for everyone, which is why a short conversation is the best place to start.

📞 01 539 5790
🌐 www.mccambridgeduffy.ie/personal-insolvency/dsa.html

Struggling with loans, credit cards, or other repayments? Looking into debt consolidation?You may have other options.Con...
08/06/2026

Struggling with loans, credit cards, or other repayments? Looking into debt consolidation?

You may have other options.

Consolidation can work for some people, but it often means more borrowing, it can be tough to access with bad credit, and it doesn't reduce what you owe.

In Ireland, there are regulated debt solutions designed to do more than that, including PIAs, DSAs and DRNs. Which one fits depends on your situation.

A short conversation with a member of our advice team, could help you work out what's right for you.

📞 01 539 5790
🌐 mccambridgeduffy.ie

Separated, in mortgage arrears, and your ex won't engage on the joint mortgage?You may still have options, including the...
08/06/2026

Separated, in mortgage arrears, and your ex won't engage on the joint mortgage?

You may still have options, including the ability to restructure your mortgage and stay in your home.

A Personal Insolvency Arrangement (PIA) covers your liability for the debt. Your ex's refusal to engage doesn't automatically close the door for you.

Call us on 01 539 5790 or visit mccambridgeduffy.ie to talk it through. No pressure, just clarity.

Liquidation might not be your only option.If you're a director of a small or micro company in Ireland and you're under f...
03/06/2026

Liquidation might not be your only option.

If you're a director of a small or micro company in Ireland and you're under financial pressure, there's an alternative worth knowing about. It's called SCARP, the Small Company Administrative Rescue Process.

SCARP allows eligible companies to restructure their debts and their business, and keep trading. No court process. No forced closure. A professionally supervised plan designed to give your company a viable future.

The earlier you seek advice, the more options remain available to you. Many directors wait too long. Don't be one of them.

Our initial consultation is free and confidential. No obligation. Just answers.
Visit mccambridgeduffy.ie or get in touch with our team to find out where you stand.

When a repossession order arrives, fear can make you freeze, and that delay could cost you everything.One of our clients...
01/06/2026

When a repossession order arrives, fear can make you freeze, and that delay could cost you everything.

One of our clients came to us after their mortgage fell into arrears following a divorce. A vulture fund had already sought a repossession order. They were terrified and hadn't sought help.

We guided them through a Personal Insolvency Arrangement. It was accepted. They kept their home.

If you're in mortgage arrears, please don't wait. Call us or send us a message. We're non-judgmental, straightforward, and we'll tell you honestly what your options are.

⭐⭐⭐⭐⭐ Trustpilot review, PIA client, May 2026

Their life changed. Their mortgage didn't.When a change in family circumstances meant one parent had to step back from w...
31/05/2026

Their life changed. Their mortgage didn't.

When a change in family circumstances meant one parent had to step back from work to care for a loved one, this couple's income dropped overnight. Their outgoings didn't.

Over time, mortgage arrears climbed past €100,000, with unsecured debts building alongside them. Despite their best efforts to manage repayments, the gap kept widening.

This is more common than you might think. When income shifts suddenly, even careful budgeting can't always close the gap. It isn't a personal failure. It's maths.
Working with a Personal Insolvency Practitioner, the couple put a Personal Insolvency Arrangement in place. Their mortgage was restructured around what they could actually afford, a contribution plan was agreed, and their unsecured debts were addressed within the arrangement.

On successful completion, they kept their family home, they held onto the care their family needed, and they started moving towards a more stable financial future.

If an unexpected change has made your mortgage or debts harder to manage, you have options. Every situation is different, but a structured solution may help you find a way forward.

No pressure. Just clarity.

📞 Call 01 539 5790
🌐 Visit www.mccambridgeduffy.ie
✉️ Email [email protected]

Many people are making payments towards debt every month, yet still feel like they are falling behind financially.For so...
26/05/2026

Many people are making payments towards debt every month, yet still feel like they are falling behind financially.

For some, balances barely reduce because rising living costs, interest, and everyday expenses continue to add pressure over time.

Financial difficulty rarely happens overnight. More often, it builds gradually until things become difficult to manage.

If debt feels permanent despite your best efforts, it may help to understand what options are available.

Call 01 539 5790
Email [email protected]

20/05/2026

When someone leaves a review like this one, we read it more than once.

It's from a DSA client who came to us during a really difficult period. What they wrote captures exactly what we hope every client experiences - A thorough explanation of everything, no pressure, and never feeling judged.

If you're carrying debt that's becoming hard to manage, having a conversation costs nothing and changes nothing until you decide it should. Call us when you're ready. We'll be here.

www.mccambridgeduffy.ie

Mortgage worry is one of the quietest pressures a household can carry. And for many people, the fear of losing the home ...
19/05/2026

Mortgage worry is one of the quietest pressures a household can carry. And for many people, the fear of losing the home is exactly what keeps them from looking for help in the first place.

The data from the Insolvency Service of Ireland tells a different story.

In the ISI's most recent Abhaile Deep Dive analysis, which reviewed outcomes for borrowers whose vouchers were redeemed in Q3 2024, 96% of those who entered a Personal Insolvency Arrangement stayed in their home. A third had a write-down on the mortgage itself, with a median reduction of nearly €80,000.

A PIA won't suit every household, and outcomes always depend on individual circumstances. But for many homeowners dealing with unsustainable debt, it offers a structured way to address what's owed while staying put.

If mortgage worry is weighing on you, the first step is just understanding what your options actually are.

No pressure. Just clarity.

Source: Insolvency Service of Ireland Annual Report 2025, Abhaile Deep Dive analysis (Q3 2024 borrower outcomes, reviewed August 2025).

If you've been quietly cutting back for years, you're not alone.For many households in Ireland, higher bills, mortgage r...
18/05/2026

If you've been quietly cutting back for years, you're not alone.

For many households in Ireland, higher bills, mortgage repayments, and debt commitments have slowly changed what everyday life looks like.

The heating stays off longer. The food shop gets smaller. You put things off. You stop enjoying things. You adjust and adjust just to keep up.

But here's something important to know.

In Ireland, there's an independently researched standard for what a reasonable life actually costs. It's called Reasonable Living Expenses (RLEs), and it's set by the Insolvency Service of Ireland.

It reflects what people in Ireland should reasonably be able to afford:
✔ Groceries
✔ Heating a home
✔ Running a car
✔ Replacing basic household items
✔ Participating in normal family and social life

If debt repayments are leaving you living significantly below that standard, it may be worth exploring whether there are other options available to you.

You should not have to spend years simply surviving financially. You're entitled to a reasonable standard of living.

A free, confidential chat with a member of our advice team, or one of our Personal Insolvency Practitioners (PIPs) could help you understand what options may be available. No pressure. Just clarity.

Call 01 539 5790
Email [email protected]

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Dublin

Opening Hours

Monday 8am - 5:30pm
Tuesday 8am - 5:30pm
Wednesday 8am - 5:30pm
Thursday 8am - 5:30pm
Friday 8am - 5:30pm

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