Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

I will move on to a few other issues. The ISI has set out reasonable living expense guidelines, which play an important role in deciding whether a debtor is able to avail of an arrangement. Where a debtor has an income that is below the level of reasonable living expenses, is it the case that he or she cannot avail of one of the arrangements? PIPs seem to be claiming that, ironically, those who have the lowest levels of income and high levels of debt are being excluded from the service because they have no capacity to make financial contributions over certain periods.