Owing Revenue bankruptcy only option
Folks, Worked overseas, never filed any tax returns since moving here 10 years ago, marriage had been breaking down for years. Had a breakdown last year with all the pressure and am broke and out of...
View ArticlePIA - What happens next re Judgement Mortgages
Hi, Not sure if this should be here or in Legal. PIA is about to be passed. This is an accelerated PIA so will run for 12 months. Three questions: Does PIA start from date of PC or Creditors Meeting...
View Articlecredit post bankruptcy
hello all its my first time posting here so here goes, I was discharged from bankruptcy in 2014, in the UK and I have been working in Ireland since then in a self employed capacity. I have two years...
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 ArticleHave PIA but can't sell Bulgarian property
HI there After years of stress we eventually got PIA approval subject to selling a place in Bulgarian and using the funds as the payment. Was a fair deal and even though I am trying to sell the place...
View ArticleJudgment mortgages on family homes have little value
The Court of Appeal delivered judgment on 13th July 2016 in respect of two judgment mortgages that Muintir Skibbereen Credit Union (“the Credit Union”) had obtained. The issue before the court was...
View ArticleConsidering offering lumpsum to OA opinion needed
I like many others are counting down the days to July 29th. Paying income payment agreement since I was declared a bankrupt and into my 3rd year of same. I would like to ask for help on if at this...
View ArticleMortgage Deposit rules after Bankruptcy
Hi All, I am out of bankruptcy on the 29th July 2016, I had a house bought in 2008 €285,000 now worth around €110,000, after going bankrupt I signed the house back to bank with the keys through the OA,...
View ArticleCut off threshold on IPA/IPO
Hi can anyone tell me is there a cut off point on amounts paid back on an IPA. This is an important question as it could change things for people paying a steep IPA/IPO. I could be grateful if ànyone...
View ArticleSpeed bump for purchasers of loans
Mason Hayes & Curran have published a useful summary of the recent decision regarding Mars Capital. Their detailed review may be seen at the following link:...
View ArticleDECLARED BANKRUPT IN CANADA NOW IRISH ISSUE
I have recently been declared bankrupt by the courts in Canada. The application included all my Irish debts as I have been living here for 7 years. How do I go about getting it recognized in Ireland...
View ArticleThe ISI should regulate debt advisors as well
Unfortunately, the reach of the Leprechaun’s spell goes beyond the production of misleading Central Statistics Office figures and it appears to extend into other areas of Government. Leprechauns, who...
View ArticleTax Clearance Certificate Post-Bankruptcy
How soon, after being adjudicated bankrupt in Ireland, could someone who had debts to Revenue receive a tax clearance cert?
View ArticleDebt Settlement Advice
Hi, just wondering if anyone can recommend a solicitor who has expertise in negotiating personal debt settlement arrangements with creditors/banks. Have an unsecured mortgage debt (house been sold,...
View ArticleIf you fall pregnant when in a Debt Settlement Arrangment
Hi, I have been in a debt settlement arrangement for the last 2 years, another 3 to go. I am now pregnant and just wondering what, if any, changes will be made to my financial circumstances. Will this...
View ArticleRevenue debt and company insolvency
Hi, I am a director of a small company where I am the secretary also, I am facing a large bill (s) from the Revenue for various returns not yet filed. I am probably looking at around 20k before...
View ArticleJoint Savings Account - One Half With Credit History
Not sure if I'm posting this in the correct forum.... Myself and my finacee are considering setting up a joint savings account for our wedding. He just just been released from a mortgage that was a...
View ArticleRepo order granted whil I was abroad. I knew nothing about it.
Lost my job, and immigrated overseas in 2012. Bank has consistently refused to forward mail to my correspondence overseas address. Despite completing the relevant form prior to leaving Ireland. We...
View ArticleISI reviews, how often?
Hi, I was wondering if anyone could advise how often they were reviewed by ISI under the new one-year rule? Do they review every six months or only if your income rises above the reasonable living...
View ArticleRevenue bill - Can't afford to pay
Hi all, I have a personal revenue bill on the horizon, about 40k. I'm in a single income family and there is just no way i'll be able to pay it or even pay in installments over 5 years. Are there any...
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