Table of contents
- Help is available
- Money Advice and Budgeting Service (MABS)
- Insolvency Service of Ireland (ISI)
- Legal Aid Board
- Watch: support available
- Getting help
Help is available
There are support services that can provide help, support and advice if you have fallen behind on your mortgage repayments. They provide assistance under the Government-funded Abhaile – the National Mortgage Arrears Resolution Service.
Under Abhaile you can get free access to debt, financial, legal or insolvency advice. If you are in mortgage arrears, Abhaile will help you find the best solution for your circumstances and keep you in your home if possible.
A dedicated mortgage-arrears adviser will work with you and your mortgage lender to find the best solution for your situation. Your lender’s last option should be repossessing your home.
Money Advice and Budgeting Service (MABS)
MABS is a free, independent, confidential and non-judgemental money advice and budgeting service. You can talk to MABS at any stage in the repossession process. The earlier you contact them, the more they can help.
Visit www.mabs.ie or call the helpline on 0818 07 2000.
If you contact MABS they can
- Help you prepare for conversations with your mortgage lender
- Provide vouchers to see a Personal Insolvency Practitioner (PIP)
- Provide vouchers for free legal or financial advice under the Abhaile scheme
- Answer questions before or after your court hearing
If your case goes to court
- Mentors provide information and support about the process
- They cannot give legal advice or speak for you in court
- You can approach them before or after your hearing
MABS cannot provide an opinion on your legal defence or speculate on how the County Registrar or Circuit Court judge will handle your case.
Insolvency Service of Ireland (ISI)
The ISI helps people tackle personal debt and repossession issues.
Visit www.backontrack.ie or call 01 764 4200.
If you contact ISI they can
Put you in touch with a PIP who can analyse your debts and propose an arrangement. If you are in home-mortgage arrears you may be eligible for a free PIP consultation under Abhaile (MABS can refer you).
- Explain available solutions
- Speak with your lender on your behalf
- In some courts, address the County Registrar or Circuit Court judge
Legal Aid Board
Visit www.legalaidboard.ie or call 0818 615 200.
If you contact the Legal Aid Board they can
- Provide a solicitor consultation under the Abhaile scheme
If your case goes to court
- A duty solicitor may be available to provide information and support, and where appropriate, to speak on your behalf
Watch: support available
This short video explains the support services that can help if you have fallen behind on your mortgage repayments.
Watch ‘Support services for repossession’ on YouTube
Getting help
Information about legal advice, representation and mediation to help you with your repossession case.
