Stephen Donnelly (Wicklow, Independent)
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Here is my problem. I know Mr. O'Connor and his team are doing the best they can with the legislation they have been given. I would prefer that number to be greater because, for all the flaws that the insolvency legislation has, it is none the less a superior mechanism to what we are seeing in the voluntary arrangements. The spirit of the insolvency legislation, which some banks have explicitly said they are trying to avoid, is made up of two things: one, families get to stay in their homes where possible; and, two, it provides for a genuine restart or recovery from unsustainable debt. Does Mr. O'Connor agree?