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About APIP

The Association of Personal Insolvency Practitioners (APIP) helps people in financial distress to find solutions to their debt problems. We have members nationwide who are personal insolvency practitioners (PIPs) that represent individuals who cannot pay their debts (debtors). 

PIPs deal with the banks, and other creditors, so that debtors don’t have to - removing the stress and stream of reminder letters about overdue payments.

If you are burdened by debt, a PIP will help you to find a fresh start by:

  • reviewing your financial details.
  • preparing a prescribed financial statement (PFS).
  • issuing a protective certificate which protects you and your assets from legal proceedings for 70 days.
  • communicating with lenders/creditors on your behalf and proposing an insolvency arrangement to restructure or write-down your debt. 

The level of debt PIPs deal with varies from utility bills, credit card debts and personal loans to car loans and mortgage arrears.  Through insolvency arrangements, PIPs work to manage the debt with realistic repayment plans while the individual maintains a reasonable standard of living.  We aim to prevent home repossessions and help people to get back on track financially.  We help people to find a fresh start through debt problem solutions.

APIP members can secure general debt write-offs and mortgage write-offs.  PIPs are the only professionals who are authorised to do so by the Insolvency Service of Ireland (ISI). 

An established organisation since 2013, APIP collaborates with the government and the ISI to reform and improve the insolvency system in Ireland.  APIP lobbied for the new measures that were introduced in the Personal Insolvency (Amendment) Act 2015.