A Personal Insolvency Arrangement (PIA) is a formal, legally binding deal to restructure secured debts (including your mortgage) and unsecured debts, agreed through a Personal Insolvency Practitioner. This fixed-fee consultation explains whether a PIA suits your situation.
We review your debts, income and assets at a high level, explain eligibility and the role of the Personal Insolvency Practitioner, how a PIA can keep you in your home, and the protections and obligations involved.
It is for individuals with unsustainable debt, particularly homeowners in mortgage difficulty, who want independent legal guidance before entering an insolvency solution.
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