Stephen Donnelly (Wicklow, Independent) | Oireachtas source

Good. Take the case of a family which can pay its debts and has enough left that it is above the threshold in those guidelines. What if the sub-prime lender says it does not care and tells the family to continue servicing the debt? Is there a danger the Insolvency Service of Ireland will not deal with families in such cases? I do not believe this is the legislation’s intention. However, could many people stuck just above this temporary standard of living be denied a solution by their banks and denied access to the insolvency service?