Personal Insolvency Arrangment (PIA)

A Personal Insolvency Arrangement is a formal insolvency solution that helps you with unaffordable mortgages and other debts.

What we can do for you:

  • Provide home visits
  • Remove the stress and worry of creditors
  • Restructure your mortgage into one affordable monthly payment
  • Guide you through the process
  • Get Debt written off
  • We can start your plan today
  • No obligation confidential advice on your debts


The process of a PIA

  • Get Advice

    Contact one of our PIPS to discuss your situation. We will see if a PIA is your best option. All of advice is free, without obligation and confidential.

  • Application

    Our PIP submits your application to the ISI and court. If happy they will grant your protective certificate. Your PIP then drafts your proposal for your creditors.

  • Creditor Voting

    Your proposal is sent to your creditors for voting. At least 65% of the creditors (by debt value) must vote in favour of the proposal in order for it to be approved.

  • PIA Approved

    Once approved your PIA becomes legally binding and payments start. We will manage your arrangement for the term.

  • Completion

    When complete, you will be discharged from your debts. Any outstanding unsecured balances will be written off and you are Debt Free

Next Steps:

o Talk to an expert