ICB report - what should it show DURING PIA?
Hi all, Have a 1 year PIA in place. It's got about 5 months to run. I've paid my lump sum and surrendered a property. What should my ICB show for my creditors? Does it have some kind of pending...
View ArticleIs Insolvency the only option in mortgage debt write off?
I am unemployed, on social welfare, legally separated with no assets. My mortgage for the family home, which has been unoccupied since 2012 was with Ulster Bank and now is being dealt with by Cabot...
View ArticleDeath of a co-borrower and enforced Insolvency, engaging doesn't work
I hope this doesn't become a rambling tome but I'll try to make this as short as possible. My father was co-borrower on my mortgage and died in 2011, I started talking to the bank in May 2013 about the...
View ArticleDo BOI currently accept PIA writedowns?
My buddy has been struggling with mortgage debt for several years as he was self employed with 2 BOI mortgages (1 PPR and 1 BTL) but couldn't keep up his repayments due to the recession. He tried to...
View ArticlePrivacy Rights Post Bankruptcy
Received an email from OA regarding printing my name in the daily newspaper in regards to payment of monies to creditors. I am out of bankruptcy since July 2016. Have they the right to print my name as...
View ArticleContact post bankruptcy re surrendered house
Discharged from Bankruptcy last year. Surrendered our house to the ISI during bankruptcy. My wife was contacted today by a major law firm, stating they were receivers for the house, requesting our...
View ArticleIs it possible to buy back your home after bankruptcy
Hi, has anyone ever heard of anyone buying back their house after bankruptcy. I fell into mortgage arrears in 2010. After lots of negotiations with the bank and trying to sell the house I surrendered...
View ArticleCan a child maintenance agreement be overturned in bankruptcy?
After a separation agreement (non-judicial) with ex I am paying child maintenance (€150/mth) for my daughter. I understand that this is deemed a legitimate living expense under RLE guidelines. If I go...
View ArticleHow long is income paymnet order after bankruptcy?
The question is self explanatory. I had completely assumed it was for an additional 2 years after being exiting bankruptcy. i.e. 3 years in total if you include your year of bankruptcy. But a relation...
View ArticleWhat is the Bank waiting for?
My family and I currently live abroad with no intention to return to Ireland in the near future. In long term mortgage arrears with the Bank (EBS) since 2013 and was renting out the property while...
View ArticleAbout to go bankrupt - can possible inheritance while bankrupt be protected?
As the title states, I'm about to go bankrupt in a couple of months. IF I was to come into an inheritance during bankruptcy I assume it would be taken. Can I protect it in advance should an inheritance...
View ArticleWhat if your income increases during IPO - but post bankruptcy
The question is as the title suggests. So if you're involved in an IPO after bankruptcy. Is the amount you have to pay out each month maxed at the amount you had to pay when you exited bankruptcy ? Or...
View ArticleWhy is my mortgage lender giving the ISI information post bankruptcy?
Any help appreciated, especially from anyone who has been through the process. I was disappointed recently to find that my only secured lender had sent information to the ISI. It would appear to have...
View ArticleHow a Vulture Fund saved a Family Home
Vulture funds do not generally receive good press. However, when it comes to doing deals, we prefer to deal with vulture funds as they have no moral hang ups about debt forgiveness, they act...
View ArticlePIP covering Kilkenny City
Hi I have been given a voucher by MABS for a consultation with a PIP but do not see any located in Kilkenny on the list on backontrack.ie. Does anyone know if any listed cover the Kilkenny area? Many...
View ArticleSwimming in a sea of debt - Debt Relief or PIP?
I have been swimming in a sea of debt since the down turn and have been doing my best to try and clear various debts bit by bit. I have finally realised that the best way forward may be to seek some...
View ArticleUnsecured Debt In Insolvency
How can you prove that your unsecured debt was written off in your bankruptcy if in the future you want to go forward for a mortgage with your future husband. Even though its still on your credit...
View ArticleInsolvency, Credit Recording and Credit Repair
I set out below the text of an update given to various stakeholders by the Insolvency Service of Ireland today: The ISI has been contacted in recent months by a number of individuals enquiring about...
View ArticleGetting a mortgage after bankruptcy
Hi all, Does anyone have any experiencing applying for credit (specifically mortgage) in the ROI post bankruptcy? Rather than a business going bankrupt, I'm looking at it from an individuals angle. I...
View ArticleIf a PIA can't be agreed
Hi My husband had intended to file for bancruptcy early last year. Due to internal issues in the solicitors our completed paper work wasn't filed. We then had to get another letter from an insolvency...
View Article