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Back on Track

Tackling problem debt, together

The Insolvency Service of Ireland (ISI) is an independent government organisation set up to help sort out personal debt problems and help get people back on track.


Debt Relief Notice

A solution for people with unmanageable unsecured debt

How do I know if a DRN is the right insolvency solution for me?

If you have a low income, few assets and debts of less than €35,000 that you can’t repay, then a DRN could be the right solution for you.

However, if you have a mortgage, a DRN is not a suitable solution, as you would be considered to have a considerable asset, even if you are not currently meeting mortgage repayments.

What are the benefits for me?

Your Personal Advisor (also known as an Approved Intermediary) will deal with your creditors on your behalf, putting an end to any demands for unpaid debt - no more phone calls, letters or visits.
A DRN will last for up to 3 years. After that time the debts named in your DRN will be completely written off.
Throughout a DRN, you are entitled to a reasonable standard of living. You will not be told how you should spend your allocated reasonable living expenses, so you are still in complete control of your spending.
Availing of a DRN should indicate to potential lenders that you are proactively addressing your financial situation, and on completion of the DRN you will be solvent, which could make you more eligible to obtain credit.

How much will it cost me to apply?

The service is free. The ISI have waived its fees and Approved Intermediaries cannot charge a fee for their advice and assistance with the application.

How do I get a DRN?

First, make an appointment to meet with an Approved Intermediary – these are a network of qualified debt advice professionals appointed by the ISI to deal with DRNs and are experts in the area of debt advice.

Approved Intermediaries are located around the country and contact details can be found on the ‘Register of AIs’ page of the ISI website or by calling the ISI’s information line 01 764 4200.

Take the first step to getting back on track financially with ISI.

Download our short guide to Debt Relief Notice.

Download the full guide to Debt Relief Notice.

01 764 4200

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