McCambridge Duffy Ireland

01/09/2026

Since 2021, 7,370 people in Ireland have applied for help with unaffordable debt through a Debt Relief Notice, Debt Settlement Arrangement, or Personal Insolvency Arrangement.

6,356 protective certificates have been issued, and 5,574 arrangements have been approved.

If you're weighing up whether to apply, you'd be joining a well-established process, not stepping into the unknown. Every financial problem has a financial solution.

Get in touch in confidence: 01 539 5790

Source: ISI Statistics Report Q1 2026 (2021–2026 Q1 case management data).

31/08/2026

What types of people apply for insolvency help in Ireland?

Married or in a civil partnership: 54%. Women: 51%, almost an even split with men. The largest age group is 45 to 54. And only 24% are unemployed, most applicants are working people juggling ordinary bills.

Source: ISI Statistics Report Q1 2026 (2021–2026 Q1 applicant data).

Every financial problem has a financial solution.

Get in touch in confidence: 01 539 5790 | [email protected]

30/08/2026

Did you know more than half of the debt in new insolvency applications in the first quarter of 2026 was mortgage debt, not credit cards?

€64.66 million of the total €118 million in qualifying debt for Q1 2026 was owed to mortgage lenders. It shows how often mortgage repayments are the real pressure point, even when everything else looks fine on paper.

A Personal Insolvency Arrangement can restructure both secured debt like a mortgage and unsecured debt. If you're experiencing difficulty, speak with an advisor and find out your options.

Get in touch in confidence: 01 539 5790 or email [email protected]

Every financial problem has a financial solution.

Source: ISI Statistics Report Q1 2026.

25/08/2026

If you're behind on your mortgage in Ireland, there's a free State-backed scheme most people don't know about. It's called Abhaile.

It was set up specifically to give homeowners in mortgage arrears free access to expert financial and legal advice.

The vouchers cover free consultations with a Personal Insolvency Practitioner, an accountant, and a solicitor. And for many people, Abhaile opens the door to a Personal Insolvency Arrangement that could restructure the mortgage and help them stay in the family home.

You don't need to be dealing with court action in order to qualify. If you're in mortgage arrears and can't see a way forward, that's often enough.

Our latest article explains what Abhaile is, who qualifies, and how to access it.

Read it here: https://mccambridgeduffy.ie/articles/abhaile-explained-free-advice-for-homeowners-in-mortgage-arrears/

Contact our team to find out more. We offer free, confidential, no-obligation advice across Ireland.

23/08/2026

If you're researching bankruptcy in Ireland, there's something worth knowing before you go any further.

Bankruptcy isn't a route you can simply choose. Since 2012, you have to first show that no other insolvency solution (a DRN, DSA, or PIA) could work for you. That means sitting down with a Personal Insolvency Practitioner and getting an honest look at all your options.

In many cases, one of the alternatives gives a better outcome than bankruptcy, particularly if you want to try to keep your family home.

Our latest article breaks down what bankruptcy in Ireland actually means, the alternatives to consider first, and how the process works if bankruptcy is the right route.

Read it here: https://mccambridgeduffy.ie/articles/bankruptcy-in-ireland-what-it-is-how-it-works-and-why-its-a-last-resort/

We offer free consultations across Ireland. Contact us today.

Email: [email protected]
Call: 01 539 5790

20/08/2026

"People who bought their homes, raised families in them, and in most cases paid for decades before circumstances turned."

That line from today's Irish Independent article captures a story our team sees regularly. Homeowners now in their 60s, often on a State pension, who fell into mortgage arrears years ago after a business collapse, a job loss, a separation, or long stretches of caring for a family member. Many kept up the payments for most of their working lives before circumstances shifted.

The article looks at why the usual routes, including Personal Insolvency Arrangements and mortgage-to-rent, are not reaching this group in the numbers they should.

If you or someone in your family is worried about mortgage arrears in later life, an initial conversation with a Personal Insolvency Practitioner is free and confidential. The earlier it happens, the more options are usually available.

Full article linked below:
🔗

State faces massive bill to rehouse them unless solutions can be found

18/08/2026

Free professional advice for mortgage arrears in Ireland. It's called Abhaile, and a lot of people don't know it exists.

If you're behind on your mortgage, you're entitled to a free consultation voucher through the scheme. That voucher gives you access to a Personal Insolvency Practitioner (PIP) who can look at your situation, explain your options, and help you work out the best route forward. There's no cost to you.

We're one of the practitioners registered with the scheme, which means you can talk to us directly to arrange your voucher and consultation. One phone call, one conversation, and you'll know where you stand.

If your mortgage is in arrears and you've been putting off getting advice because you weren't sure how much it would cost, this is the answer to that.

📞 01 539 5790
🌐 mccambridgeduffy.ie

16/08/2026

When you're juggling multiple debts, it can feel like whoever's shouting loudest deserves to be paid first. But some debts have far more serious consequences than others, and paying the wrong ones can quietly make your situation worse.

Swipe through for a plain-language look at how to think about priority debts, Reasonable Living Expenses, and where everything else fits.

Save it for later, or share it with someone who might need it.

Free PIP consultation vouchers are available through the Abhaile scheme.
📞 01 539 5790
🌐 mccambridgeduffy.ie

03/08/2026

A brilliant episode of The Irish Times' Better with Money podcast this week, with Gwen Harris of MABS, someone who has spent nearly 31 years helping people in Ireland work their way out of financial difficulty.

Her message is a simple and important one: debt is not a character flaw. In her 31 years the profiles have changed, but what hasn't is "how people feel… the emotional guilt. The shame." Life happens. Illness, job loss, a new baby, separation. Any household can find itself under pressure. What matters is knowing where to turn.

In the episode she covers the essentials of budgeting ("the story of the money that comes into my house and what happens with it"), practical ways to tackle arrears including the snowball and avalanche methods, how personal insolvency works, and the money people leave on the table through unclaimed tax and welfare entitlements. She also makes the case for parents to have an honest conversation about rent with adult children at home: "If you are struggling financially, that is a really critical income for you."

One small habit that stuck with us: Gwen converts her Deposit Return Scheme receipts into grocery vouchers. Little things, done consistently, add up.

We want to take a moment to acknowledge the incredible work MABS does right across the country. Free. Confidential. Non-judgmental. For anyone feeling the weight of financial worry, MABS is one of the most valuable services we have, and the team behind it deserves enormous credit.

If you or someone close to you is struggling, please reach out.
Call 0818 07 2000 or visit mabs.ie

Listen to the full episode: https://www.irishtimes.com/podcasts/better-with-money/ive-helped-people-clear-debt-for-30-years-heres-how-to-tackle-it/

Better with Money with Aideen Finnegan

28/07/2026

You may have seen this story in the news recently.

Cases like this make the headlines because they're unusual. And they can leave people with the impression that Personal Insolvency Arrangements (PIAs) are only for developers, business owners, or people with debts running into the millions.

The reality is much more everyday.

A PIA is designed to help people dealing with mortgage arrears after a change in circumstances. Personal loans and credit cards that spiralled after a difficult time. A separation that changed everything financially. A business that didn't survive.

It looks at what you actually owe, what you can realistically afford, and what your creditors can reasonably accept, and builds a legally binding arrangement around that. For a lot of people, it also means keeping the family home.

If your situation feels nothing like the headlines, but you're still experiencing difficulty, this could work for you too. You don't need to have it all figured out before you get in touch.

📩 [email protected]

Link to article:

A judge this week sanctioned the arrangement of Michael Murray (47), of Brownstown, Kilcloon.