Household Debt Organisation Service

The Household Debt Organisation Service is designed for individuals and families seeking a complete inventory of their financial obligations. This service involves a detailed session where we catalogue all outstanding debts, including credit cards, personal loans, mortgages, and utility arrears. You will receive a consolidated document that categorises each debt by type, interest rate, and monthly payment amount. This initial step is critical for building any subsequent repayment plan, as it provides the foundational data needed for accurate planning. For example, a household with multiple store cards and a car loan would receive a clear map showing which debts are priority based on interest rates and terms. The session is conducted via a secure video call or in-person at our Limerick office, typically lasting 60-90 minutes. All information is handled with strict confidentiality under Irish data protection standards. This service is a prerequisite for our Repayment Planning Guidance, ensuring all planning is based on accurate, organised information.