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

I agree entirely and am not in any way suggesting that the guidelines' figures be changed. However, I am hearing from some PIPs that a sizable proportion of the people approaching them will not be able to avail of DSAs or PIAs because they have no financial capacity to make additional contributions to their debts. This is a problem. Mr. O'Connor has mentioned other options. For example, DRNs can be availed of in certain cases. Otherwise, though, it is bankruptcy. Must the system be changed in any way to cater for those people? It seems ironic that the very people on the lowest incomes and who have unsustainable debts are locked out of the process because they have no capacity to make additional repayments.