State-Funded Help Available

Missed a mortgage payment? Don't face the bank alone.

There is a legal, structured path to keep your family home. Stop the letters, pause the calls, and get back on track with the state-funded Abhaile Scheme.

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Expert Advice Supported by State Schemes & Regulatory Bodies

ISI Regulated Insolvency Service of Ireland
Abhaile Scheme State-Funded Support
MABS Partner Money Advice Service
APIP Member Professional Association

We know that "knot in the stomach" feeling.

The dread when the postman arrives. The panic when an unknown number appears on your phone. The sleepless nights wondering if you'll lose the home your children grew up in.

Most homeowners we help felt exactly this way before they called us. They thought they had no options left. They thought the bank held all the cards.

But that is simply not true. You have rights, and there is a solution.

Family safe in their home
The Legal Solution

The Personal Insolvency Arrangement (PIA)

This isn't just a "payment plan". It is a statutory, court-approved mechanism introduced by the Irish government to keep families in their homes.

  • Stops Repossession: Legal protection prevents the bank from taking your home while we negotiate.
  • Restructures Debt: We can extend terms, reduce interest rates, or even warehouse parts of the mortgage.
  • Write-off Unsecured Debt: Credit cards and loans can be written off to make the mortgage affordable.
  • It's Free for You: Under the Abhaile Scheme, the state pays for your consultation and legal advice.
Check if you qualify for Abhaile

Your Path to a Fresh Start

The legal process is complex, but we handle the heavy lifting. Here is the path we will walk together.

1

Free Consultation

We assess your situation at our offices in Dublin, Waterford or via video call. If eligible for Abhaile, this entire process costs you nothing upfront.

2

Protective Certificate

We secure a 70-day "Breathing Space" order from the court. Creditors can no longer contact you or take legal action.

3

Proposed Restructure

We propose a PIA to restructure your mortgage and debts. This may be approved even if banks initially refuse.

4

Fresh Start

Your arrangement is active. You stay in your home. You have your life back.

Meet Your Expert

Cathal McNamara & Associates

As a Personal Insolvency Practitioner (PIP), Cathal is authorised by the Insolvency Service of Ireland to negotiate binding deals with banks on your behalf.

"My job is to stand between you and the bank, ensuring the law is used to protect your family home. We handle everything from our offices in Dublin & Waterford, but also remotely via secure video calls, serving families in every county of Ireland."

ISI Authorisation No. PI01006
Coverage Nationwide (Online)
Cathal McNamara

Let's talk about your options.

The earlier you act, the more options you have. The call is free, confidential, and without judgment.

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1800 99 00 99

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