Below are the personal experiences from just some of the debtors ISI have helped so far
Donna's StorySingle mother of two Donna was struggling with debt for years, building up debt with her credit union and an overdraft. She has now been granted a DRN, which has written off her debt so she can plan for her future. This is her story.
Siobhan's StorySiobhan is a widow living on her own. With ill- health and debts of around €19,000 she turned to an approved intermediary for help. She received a DRN, which has written off her debt and is now living life to the full. This is her story.
Michael's StoryEx-construction worker Michael was unemployed and in debt of €50,000 when he decided to contact ISI. This is his story.
Lee's StoryElectrician worker Lee lost his job and started struggling with credit card and mortgage debts. Following this he was threatened with repossession so he contacted a PIP. He has since been made bankrupt and is now debt free. This is his story.
Josephine's StoryHousewife Josephine was struggling to pay off her mortgage and credit union loan when she first contacted ISI. This is her story.
Johnny's StoryJohnny was in arrears on his mortgage and recently made redundant when he decided to contact ISI. This is his story.
Richard's StoryRichard decided to invest his retirement savings in a second property. But after the crash in 2008, the debt became uncontrollable and he began to run up credit card debt. So he sought out a PIP for help. A PIA was put in place, and he now no longer worries about debt. This is his story.
Actors' voices have been used to protect the identities of the individuals involved.
If you've been affected by any of the situations mentioned, talking to someone can help.
Freephone the Samaritans on 116 123 or visit their website here.