Pádraig Mac Lochlainn (Donegal North East, Sinn Fein)
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90. To ask the Minister for Justice and Equality the steps open to a family whose mortgage debt on their primary residence accounts for over 50% of their secure debts to avail of the measures introduced in the Personal Insolvency Act. [52640/13]

Alan Shatter (Dublin South, Fine Gael)
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It is a matter for a Personal Insolvency Practitioner to formulate an individual arrangement between an insolvent debtor and all of the creditors that may be involved in his or her financial situation. Details of Personal Insolvency Practitioners based around the country are available on the Insolvency Service of Ireland website at www.isi.gov.ie. There is also a Guide to a Personal Insolvency Arrangement available on the ISI's website. That Guide sets out the general eligibility conditions for persons wishing to apply for a Personal Insolvency Arrangement and also outlines the detailed steps involved in the process. There are also various detailed scenarios available which outline the Personal Insolvency Arrangement process.

I can advise the Deputy that a person with secured debts that are less than €3 million may be eligible for a Personal Insolvency Arrangement, provided that he/she meets the other conditions.