Never be afraid to talk to your lender or other creditors – the single most important step you can take if you feel you are falling behind is to take action as early as you can.  Take the time to look through this website or call our Helpline. This will help you prepare to talk to your creditors.  If you are not happy with the response you get, take a note of the conversation and perhaps ask to speak to someone more senior.

No, MABS is a free, independent, non-judgmental and confidential service for people who are in debt or at risk of getting into debt.  MABS will work with you to determine the type of support you need, including assessing whether it is necessary to meet with a Money Adviser.  In many cases people get all the help they need here on our website or by talking to a Helpline Adviser.

You may be entitled to some government benefits to help increase your income. You should check www.citizensinformation.ie, a website with comprehensive information on public services and on the entitlements of citizens in Ireland presented in an easy-to-understand way. 

You can also ask questions relating to this topic by contacting the Citizens Information Phone Service on LoCall 0761 07 4000 (Monday - Friday, 9am-9pm) or by visiting your local Citizens Information Centre.