Alan McGee & Co Solicitors & Personal Insolvency Practitioners

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Alan McGee & Co Solicitors & Personal Insolvency Practitioners We are an East Cork based law firm and personal insolvency practitioners which caters for the requir

15/10/2026

Can you keep your bank account if you’re pursuing a PIA or DSA?

In general, you may be able to keep your bank account if it remains in credit.

However, banks can apply set-off, meaning money in your account may be used against debts you owe to that same bank once a Protective Certificate issues.

For that reason, people pursuing a PIA or DSA are often advised to open a new bank account with a bank they do not owe money to.

If you are considering a PIA or DSA, it is important to get advice early so you can take the right practical steps.

https://alanmcgee.ie/

A letter from your mortgage lender doesn't always mean losing your home is inevitable if you’re in debt.As part of the P...
14/10/2026

A letter from your mortgage lender doesn't always mean losing your home is inevitable if you’re in debt.

As part of the Personal Insolvency Arrangement process, a licensed PIP can apply for a Protective Certificate, which pauses repossession and other creditor enforcement while a proposal is prepared and considered. If a sustainable arrangement is then approved, it may restructure your mortgage arrears and help you remain in your home.

If you’re wondering what your options actually look like, a licensed PIP could hold the answer:

https://alanmcgee.ie/how-to-get-out-of-debt-in-ireland-with-the-help-of-a-licensed-pip

13/10/2026

When debt builds up, it can feel impossible to know where to begin.

But often, the first step - getting clear advice and understanding your options can make all the difference.

At Alan McGee & Co Solicitors LLP, we work with clients who are under real financial pressure and help them understand the routes that may be available to them in a private, professional, and non-judgemental setting.

If you are feeling overwhelmed, you do not have to face it on your own.

https://alanmcgee.ie/

08/10/2026

Who qualifies for a Debt Settlement Arrangement (DSA)?

A DSA may be an option for people who are unable to repay unsecured debts such as credit cards, overdrafts, or personal loans, but eligibility depends on your individual circumstances.

It’s important to understand the rules around insolvency, repayment prospects, previous arrangements, and recent borrowing before making any application.

If you are unsure where you stand, getting the right advice is the best place to start.

https://alanmcgee.ie/

Bankruptcy isn't the only route out of serious debt in Ireland, and for a lot of people, it isn't the best one either.A ...
07/10/2026

Bankruptcy isn't the only route out of serious debt in Ireland, and for a lot of people, it isn't the best one either.

A Personal Insolvency Arrangement or Debt Settlement Arrangement can restructure or settle your debt as a formal alternative to bankruptcy, depending on your circumstances. What happens to your assets comes down to the specific arrangement, your finances and whether your creditors approve it. Either route can also help you avoid the longer-term restrictions that come with bankruptcy itself.

Our guide breaks down how a licensed PIP helps people across Ireland resolve serious debt:

https://alanmcgee.ie/how-to-get-out-of-debt-in-ireland-with-the-help-of-a-licensed-pip

06/10/2026

We’re very grateful to receive feedback like this from a client who came to Alan McGee & Co Solicitors LLP during an incredibly stressful time.

Trying to deal with lenders alone can feel exhausting and overwhelming, especially when it seems like every option has been exhausted. That’s why clear advice, ongoing support, and practical guidance can make such a difference.

We are proud to support clients with professionalism, compassion, and clarity throughout the process, helping them understand their options every step of the way.

If you are under pressure with debt or worried about your home, Alan McGee & Co Solicitors LLP is here to help in a private, professional, and non-judgemental setting.

https://alanmcgee.ie/

30/09/2026

Can you keep a credit card during a PIA or DSA?

If you are in a PIA or DSA, you cannot take on more than €650 in credit without being legally required to tell the lender.

In practice, your arrangement may also appear on a credit check, which means a credit card provider may decide not to offer you credit.

If you are unsure how a PIA or DSA affects your borrowing, it is important to get clear advice.

https://alanmcgee.ie/

30/09/2026

Debt can feel heavy, stressful, and isolating but it does not mean there is no way forward.

With the right advice and support, it may be possible to understand your options, reduce the pressure, and begin working toward a more secure future.

At Alan McGee & Co Solicitors LLP, we understand how difficult financial problems can be. We offer a private, professional, and non-judgemental service to help clients take the next step with confidence.

If you are struggling with debt, you do not have to face it alone.

https://alanmcgee.ie/

Missed a bill you've never missed before?Consistently falling behind on repayments, growing financial stress and letters...
30/09/2026

Missed a bill you've never missed before?

Consistently falling behind on repayments, growing financial stress and letters from creditors are all signals that it's time to get advice rather than wait things out. This is especially true once legal letters start arriving. Reaching out early gives you more time to weigh up your options before creditor action moves any further.

If debt has you searching for a way forward, here's how a licensed PIP could help turn things around:

https://alanmcgee.ie/how-to-get-out-of-debt-in-ireland-with-the-help-of-a-licensed-pip

29/09/2026

Who qualifies for a Personal Insolvency Arrangement (PIA)?

If you are unable to repay your debts as they fall due, a PIA may be an option depending on your circumstances.

Eligibility will depend on a number of factors, including the type of debt involved, how long the debts have been in place, and your overall financial position.

If you are unsure whether you may qualify, it is important to get advice based on your own situation.

https://alanmcgee.ie/

Address

96 Main Street
Midleton

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+353214633585

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