Application goes to Court
Once complete, your Approved Intermediary (AI) submits your Debt Relief Notice (DRN) application to the Insolvency Service of Ireland (ISI). The ISI will submit the application to the appropriate Circuit Court on your behalf.
When the court office has received your application they will assign a return date. This is the date when a judge will make a decision on your application. You or your AI are not required to attend court on the return date.
Outcome of your hearing (Court decision)
Your case is considered by a Judge in the Circuit Court, they will make a decision on your DRN application.
The Judge can make the following decisions:
- Approve & issue the DRN;
- Refuse the application;
- Adjourn the application to request further information, or;
- Direct a hearing be held.
The court office will notify and engage with the ISI and your AI for outstanding information or input as needed. You will never be required to attend court.
The effects of a DRN
If your DRN application is approved, the ISI will send you a copy of the court order along with a list of the conditions you must follow for the next 3 years while your DRN is in place. Your name will be put on a public register of Debt Relief Notices.
While your DRN is in place there are also conditions that your creditors must follow in relation to any debt that is included in your DRN.
The ISI can apply to the court to terminate your DRN if:
- you have given inaccurate information;
- were not originally eligible for a DRN;
- arranged your affairs to get a DRN, or;
- are in breach of the conditions of your DRN obligations.
