McCambridge Duffy Ireland

27/10/2026

As the colder months set in, heating, food and household bills all start to climb. If you’re already behind on your mortgage or other debts, it can feel like the only option is to cut back even further.

For many people, that means going without for months: turning the heating down, cutting back on food, and saying no to the things that make life feel normal, just to keep the repayments going.

You shouldn’t have to live below a reasonable standard to keep up with your debts. If you apply for a formal debt solution in Ireland, such as a Personal Insolvency Arrangement (PIA) or a Debt Settlement Arrangement (DSA), your Personal Insolvency Practitioner works out what you can afford using the Insolvency Service of Ireland’s Reasonable Living Expenses guidelines. Those guidelines allow for the essentials, including heating, food and household costs.

If you’ve been telling yourself you’ll deal with it in the new year, getting advice now means having a plan in place before the hardest months, not after them.
Our advice is free and confidential.

Call 01 539 5790 or visit www.mccambridgeduffy.ie

26/10/2026

A growing number of borrowers in Ireland now find their mortgage held by a fund or non-bank lender, rather than the bank they originally borrowed from.

For anyone advising clients in arrears, that raises practical questions. How do these creditors approach insolvency proposals? What do they look for? And what does it mean for building a proposal that has the best chance of success?

It’s one of the topics Ronan Duffy and Damien Green will cover in our free webinar, Insolvency Insights 2026, on Wednesday 25th November at 2pm.

They’ll also look at the latest ISI figures, how creditors are responding to proposals more generally, and recent Court judgments.

The session suits PIPs, MABS advisers, solicitors, accountants and anyone who supports people in financial difficulty.

Register through the link below or visit our Facebook event page to find out more.
🔗https://mccambridgeduffy.zoom.us/webinar/register/WN_E8uqDJSZSvqrtDHPsByPRw #/registration

25/10/2026

For many people, picking up the phone to talk about financial difficulty is the hardest step. It can mean admitting that things have got on top of you, and worrying about what you’ll hear or whether you’ll be judged.

One of our clients told us they were so frightened about their mortgage arrears that they froze instead of getting help. Their advice to anyone in the same position is not to be afraid, and to reach out sooner rather than later.

So what actually happens when you call?
You’ll talk to a member of our team about your situation: your income, your debts and what’s worrying you most. We’ll explain the options that may be open to you in plain language, whether that’s a Personal Insolvency Arrangement (PIA), a Debt Settlement Arrangement (DSA) or something else. There’s no pressure to sign up to anything, and no judgement.

The call is free and confidential.
Call 01 539 5790 or send us an email at [email protected]

20/10/2026

Agreeing a restructure with your lender can feel like a turning point. For many people, it is. For others, the relief doesn’t last.

Interest-only periods come to an end. Capitalised arrears add to the balance. Term extensions and split mortgages can lower the monthly payment, but they don’t always leave enough for everything else. A few years on, the pressure can build again, often alongside other debts like credit cards, loans or credit union borrowing.

If that sounds familiar, a Personal Insolvency Arrangement (PIA) may be worth looking at. A PIA is a legal process for people in Ireland who can’t keep up with their debts, including their mortgage. It brings your mortgage and other debts into one arrangement, with repayments based on what you can realistically afford and reasonable living costs protected.

Having a restructure in place doesn’t rule a PIA out. If you’ve entered an Alternative Repayment Arrangement and tried in good faith to keep to it, you may still be eligible, where a Personal Insolvency Practitioner believes you’re unlikely to get back on track within five years without one.

A PIA usually lasts up to six years. At the end, the remaining unsecured debts it covers are written off, and the aim throughout is to help you stay in your home wherever possible.

Every situation is different. Our Personal Insolvency Practitioners are regulated by the Insolvency Service of Ireland and can talk you through your options for free.

Call 01 539 5790 or email [email protected]

28/09/2026

If loans, credit cards, store cards and overdrafts are getting harder to manage each month, a consolidation loan is usually the first thing people look into. But it isn't always the right answer.

Ireland has three formal, regulated solutions designed for exactly this kind of situation: a Debt Relief Notice, a Debt Settlement Arrangement, or a Personal Insolvency Arrangement.

If any of this sounds familiar, speak to our team and get advice on your situation.

Every financial problem has a financial solution. Free, confidential consultation: Call 01 539 5790 or email [email protected]

23/09/2026

A significant High Court ruling on PIAs.

The Irish Independent reported this morning on a High Court ruling that reduced a 60-year-old Dublin homeowner's mortgage interest rate from 4.9% to 0.5% for the remaining 18 years of her mortgage, under a Personal Insolvency Arrangement. The court approved the PIA over the bank's objections, allowing her to stay in her home.

It's a real example of what a PIA can do when mortgage arrears are part of the picture and the alternative is bankruptcy.

If you are dealing with unaffordable mortgage payments, arrears, or other debts, our team is available to talk it through in confidence: (01) 539 5790 | [email protected]

Every financial problem has a financial solution.

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High Court approves PIA after judge rejects bank’s objections

22/09/2026

Dealing with mortgage arrears? A conversation is the first step.

Cost of living is putting real pressure on households right now. Bills are climbing across the board, and for many people the mortgage has become the payment that gets harder each month.

If that sounds familiar, reaching out early is usually the most useful thing you can do. Nothing happens on that first call. You get a clear picture of the options that actually apply to your situation, with no commitment and no forms.

Central Bank figures released this month showed 12,315 households in Ireland fell behind on their mortgage for the first time between April and June. If you are one of them, our team is here to talk through your options in confidence with a free consultation.

Every financial problem has a financial solution.
01 539 5790 | [email protected]

21/09/2026

New Central Bank figures: 12,315 households behind on their mortgage.

Between April and June, 12,315 households in Ireland fell behind on their mortgage for the first time, according to Central Bank figures reported by the Irish Independent this week.

Cost of living is the driving factor. Energy bills are up €1,500 a year for the average household. Diesel is at €2.10 at some forecourts. Grocery and health insurance bills are still climbing. Even people on decent incomes are feeling the squeeze.

If mortgage repayments have quietly become a strain, a Personal Insolvency Arrangement (PIA) could restructure mortgage debt alongside other borrowing in one legally binding agreement. There are options available before arrears build up.

Every financial problem has a financial solution. Chat to us in confidence: 01 539 5790 | [email protected]

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Experts say even those on decent incomes are struggling with multiple price rises

16/09/2026

When someone reaches out to us, they're usually carrying more stress than they've let anyone see. That's the moment where the approach really matters... how well someone listens, how clearly they explain, whether they treat you like a person or just a case.

Here are a few of our recent Trustpilot reviews, from people we've worked with. In their own words.

If you're dealing with unaffordable mortgage payments, arrears, or other debts, our team is here to talk it through in confidence.

Every financial problem has a financial solution. Get in touch: 01 539 5790