Insolvency Service of Ireland An independent government organisation.

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Debt Solutions

Debt Relief Notice (DRN)

What is a Debt Relief Notice (DRN)?

A DRN is a formal agreement that allows you to write off your debt in full.

Debts such as personal loans, credit card loans, store cards, credit union loans and overdrafts could be included in a DRN.

Is a DRN right 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.


  • Freedom from your creditors

    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.

  • Debt written off after 3 years

    A DRN will last for up to 3 years. After that time the debts named in your DRN will be completely written off.

  • Reasonable standard of living guaranteed

    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.

  • Better credit rating

    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.


The service is free of charge.

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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.

Call the ISI’s information line 01 764 4200