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When I came to New Beginning I was at my wits end. I had been trying to deal with the banks myself and was getting nowhere. I met with someone at New Beginning who took me through the whole situation and gave possible outcomes I didn’t know existed! They took over my case and had it sorted within a few months. I now have a mortgage I can afford and am on the road to recovery!

The care and professionalism I experienced at New Beginning was unparalleled. They really took the time and energy to understand my situation to find the best solution. Their genuine passion and commitment to helping people in tough times was comforting and allowed me to focus a bit more attention to my family.

I attended a seminar held by New Beginning in Dublin and it really helped me understand more about how to deal with my situation. They taught me about different strategies I could use to negotiate against the funds and banks and also about the different insolvency rules. I learned so much that day and the best part was the seminar was all completely free!

I was struggling to deal with the banks and with my other unsecure debt and I didn’t really know what was going on. I decided I needed someone on the outside to have a look at my situation, that’s when I found New Beginning. I received professional advice tailored to my situation. We discussed all the possible options available and they recommended the best solution for me, which was bankruptcy. It’s such a relief knowing this time next year I will be out of bankruptcy and debt free.

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Mortgage to Rent – The Final Part of the Jigsaw

3 comments / January 30, 2017

Since 2009 Ireland has faced the worst mortgage default crisis anywhere in the Western world. Coming from a base of almost zero default, we reached unprecedented levels of default. The rate of default surpassed 20% at one stage - which...

How Does Your Insolvency Or Bankruptcy Impact Co-borrowers Or Guarantors?

0 comments / March 19, 2018

It’s important to remember that in Personal Insolvency and in Bankruptcy debts will be written off against only the borrower applying for insolvency or bankruptcy. As most loans that were taken out by more than one borrower are “joint and...

How will my pension be treated in bankruptcy?

0 comments / December 8, 2017

In bankruptcy all your assets, except the necessaries of life, become vested in the Official Assignee. There are some exceptions to this rule and pension are one of those exceptions. Put simply, your pension does not vest in the Official...

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Mortgage to Rent – The Final Part of the Jigsaw

How Does Your Insolvency Or Bankruptcy Impact Co-borrowers Or Guarantors?

How will my pension be treated in bankruptcy?