Personal Insolvency Arrangement (PIA) Advice

Personal Insolvency Arrangement (PIA) advice in Ireland explains whether a PIA suits your situation. A PIA is a formal, legally binding arrangement to restructure secured debts, including a mortgage, and unsecured debts, agreed through a Personal Insolvency Practitioner (PIP). A PIA can only be prepared and submitted by an authorised PIP; a solicitor would advise on your legal position and options and works with a PIP she refers you to for the arrangement itself.

The price shown is the full professional fee for the service as described, and any third-party or State fees are listed separately where they apply. If your matter needs more than this service covers, a solicitor would explain the options before any further work is done.

What’s included

• High-level review of your debts, income and assets
• Explanation of eligibility
• The role of the Personal Insolvency Practitioner
• How a PIA can help keep you in your home
• Protections and obligations involved
• Self-complete template with guidance notes — you fill it in yourself
• Documents tailored to Irish law and your circumstances, delivered by email
• A written summary of the key points and anything you need to do afterwards

Who this is for

• Homeowners in mortgage difficulty
• People with unsustainable secured and unsecured debt
• People considering insolvency options
• People facing repossession

How it works

1. Find a solicitor through the Law Society of Ireland’s Find a Solicitor directory and send them the basic details and any existing documents or correspondence.
2. Complete a short questionnaire about your circumstances.
3. A solicitor would then review your position and explains your options.
4. The completed work is delivered to you by email, with plain-English notes on what to do next.

Frequently asked questions

How much does PIA advice cost in Ireland?

Fees for work of this kind are typically set on application: a solicitor would typically confirm the fee once the matter has been reviewed and before any work begins. Any third-party or State fees are listed separately where they apply. You request an assessment, and costs are confirmed in writing before any work begins.

Who prepares a PIA?

Only a Personal Insolvency Practitioner authorised by the Insolvency Service of Ireland can prepare and submit a PIA.

Can a PIA help me keep my home?

A PIA can include arrangements designed to keep you in your home, where possible.

For more on debt and insolvency, see our Debt & Insolvency in Ireland guide.

If you would like to be told when solicitor services are available again on this site, you can join our no-fee waiting list. To instruct a solicitor now, use the Law Society of Ireland’s Find a Solicitor directory.