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• Debt Test

• Debt Management Plans
• Debt Settlement

Success Story 1 – Mr & Mrs B – West of Ireland

Background:

• Married Couple with 2 children in College
• Truck Driver and Office Administrator
• Substantial Income Reduction
• Large Outgoing on College Fees and upkeep

Debts:

• Mortgage Repayment maintained
• Multiple Credit Cards
• Personal Bank and Credit Union Loans
• Overdraft
• Debt owing to Solicitor
• Payment default on most accounts

DPI Solution:

• Mortgage Repayment prioritised
• Reduced Payments to all unsecured creditors
• Clients maintaining agreed monthly payment of €897
• Agreements in place with majority of creditors after 2 months

Success Story 2 – “Grace” Dublin (As seen on RTE Prime Time Report)

Background:

• Self employed
• Single with No Dependents
• Out of work sick for one year
• Segment of business not doing well

Debts:

• Substantial Mortgage Arrears with Sub Prime Lender
• Mortgage Repayment over €3,000.00 per month
• 5 Credit Cards
• Personal Loan
• All Debts in Arrears
• Action threatened or initiated on all debts

Debt Plan Ireland Solution:

• Payment plan of €612 per month for all unsecured debts based on Income and reasonable expenditure
• Arrangement with Mortgage Lender to accept reduced payment with 3 monthly reviews
• Arrangement with Lease Co to accept restructure of Motor Finance
• All unsecured debts included in plan
• Client maintaining agreed monthly payment of €612 and reduced payments to Mortgage and Motor Lease
• Agreements accepted by Creditors
• Interest and charges frozen on majority of debt

Success Story 3 – Mr & Mrs S – Co Carlow

Background:

• Married Couple with 3 children
• Mr Made redundant in Aug 08
• Addition to family as same time as job loss
• Ongoing medical problems

Debts:

• Council House Rent in Arrears by one month
• Credit Card x 2
• Credit Union and Bank Loans
• HP Debt –  Cars Repossessed
• All Account in Arrears.
• Debt Collection Agencies involved

Debt Plan Ireland Solution:

• Payment plan of €520 per month for all unsecured debts based on Income and reasonable expenditure
• Rent arrears resolved and Council accept
• All Creditors accepting payments and all letters/action etc stopped
• Contributions now under review as benefits reduced in Budget 2010

Success Story 4 - Mr N – Co Meath

Background:

• Single No Children
• Over borrowed when Overtime and Bonuses were plentiful
• Continued to use available credit when income reduced
• Commute to Dublin to Work

Debts:

• Car Hire Purchase
• 6 credit cards, loans, credit union
• Arrears on all agreements except car finance
• Debt Collection Agencies with aggressive contact
• Mother involved as Stress an issue

Debt Plan Ireland Solution:

• Car Finance payment prioritised
• Repayment Plan agreed with client at €674 per month
• All Creditors have accepted the plan
• Interest and Charges stopped on Credit Card Debt