
Debt Settlement Arrangement
A solution for people with unmanageable unsecured debt


How do I know if a DSA is the right insolvency solution for me?
If you have unsecured debt such as credit cards, loans and overdrafts, a DSA could be the right choice for you.
A DSA is a formal agreement with all your creditors that will write off some of your debt.
What are the benefits for me?

How much will it cost me to apply?
Just like any other professional providing a service, a PIP may charge a consultation fee in order to determine if you are eligible to apply. After that, any PIP fees are usually built into the DSA repayment plan.
If you are in arrears on your home mortgage you could be eligible for a free PIP consultation under a new State-funded scheme.
View more details on the scheme.
View our list of Personal Insolvency Practitioners participating in the scheme.
There is no application fee as the ISI has waived its fees.
How do I get a DSA?
First, arrange to meet with a Personal Insolvency Practitioner (PIP). Part of a network of qualified professional advisors regulated by the ISI, each PIP is an expert in debt advice, so don’t feel embarrassed about your situation; they can and want to help you reach a solution. They will assess your options and prepare a tailored solution that best suits your needs.
PIPs are located around the country and contact details can be found here or by calling the ISI’s information line 076 106 4200.
View contact details of PIPs participating in the Back on Track campaign
View more information on what a PIP can do for you.