Ms Madeleine Reid:

What is provided is that the person is given a triage under Abhaile which is implemented by the Money Advice & Budgeting Service, MABS, in consultation with the Insolvency Service of Ireland, ISI. Most people would be offered a consultation with a personal insolvency practitioner, PIP, but if they do not wish to look at personal insolvency they get help from a dedicated mortgage arrears, DMA, adviser in MABS. There are two alternative streams of mortgage advice.