1. Debt Management
Understand the debts, identify creditors, review arrears, record household income and essential costs, check current repayments and consider realistic next steps.
Services
Practical help with debt pressure, creditor contact and difficult paperwork
Debt management is the main service. Gerry helps borrowers understand the position, organise the paperwork and work towards the next practical step.
2. Creditor and Repayment Support
Practical assistance with letters and calls, immediate pressure and gathering accurate figures. Gerry can help prepare for creditor discussions and work towards a sustainable repayment arrangement where appropriate. Any arrangement remains subject to the creditor’s agreement.
3. Document Pack Review
Help with sorting and searching large electronic document packs, identifying potentially relevant pages and preparing clearer material for closer review.
4. Bankruptcy Preparation Support
Understand and organise the full financial position before a serious decision is made.
5. Professional Referral Support
Prepare clearer information for solicitors, Personal Insolvency Practitioners, debt advisers, brokers, financial advisers and other relevant professionals.
6. Information Requests and DSAR Support
Where important records are missing, Gerry may suggest requesting further information from the lender, loan owner or servicing company. Records may be requested in electronic format where practical.
Support is available throughout Ireland by phone, remotely and in person by arrangement. Speak with Gerry about what is happening and what information is available.
Fees
Debt Management fees are charged at a rate of €150, based on time spent.
Fees for professional services vary depending on the nature and complexity of the work.