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Personal Insolvency
Arrangement (PIA).

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Personal Insolvency

A Personal Insolvency Arrangement is a formal insolvency solution that helps you with unaffordable mortgages and other debts.

What we can do for you:

  •  Provide home visits directly with the experts!

  •  Remove the stress and worry of creditors!

  •  Restructure your mortgage into one affordable monthly payment!

  •  Guide you through the process!

  •  Get Debt written off!

  •  No obligation confidential advice on your debts

Personal Insolvency Arrangement

The process

Get Advice

Contact one of our PIPS to discuss your situation. We will see if a PIA is your best option. All of advice is free, without obligation and confidential.


Our PIP submits your application to the ISI and court. If happy they will grant your protective certificate. Your PIP then drafts your proposal for your creditors.

Creditor Voting

Your proposal is sent to your creditors for voting. At least 65% of the creditors (by debt value) must vote in favour of the proposal in order for it to be approved.

PIA Approved

Once approved your PIA becomes legally binding and payments start. We will manage your arrangement for the term.


When complete, you will be discharged from your debts. Any outstanding unsecured balances will be written off and you are Debt Free

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