Abhaile Case Studies - Adam & Sally's Story

Adam and Sally couple

Adam & Sally's Story

Adam and Sally were managing. They were making ends meet and then some and everything was fine. Then the recession hit and all of a sudden, they were finding it difficult to make ends meet. The bills were growing, and they couldn’t find their footing.

That’s when they heard about Abhaile and the Personal Insolvency Practitioner (PIP) service. Their PIP listened, didn’t judge and took everything into account when helping them reach an arrangement with their lender.

They are now solvent, thanks to a Personal Insolvency Arrangement with repayments they can manage and looking forward to living again.


All we ever wanted was a safe, happy, family home. And just as we’d achieved our dream, the nightmare began.

Our life was the life of so many people we knew. Three great kids, all in their teens, I was working as a civil servant with my wife supporting from home.

We weren’t minted, for sure, but we were covered and paying off our loans, on time, every month. Until we weren’t. The recession hit, my salary took a knock and pension levies kicked in. Suddenly the bills were bigger than the money coming in. We reduced our spending down to pretty much nothing to keep paying off the loans. Some days, no exaggeration, some days there was barely enough food. I felt ashamed and alone.

This financial struggle went on for years. We went from happy parents to, well me, for sure, I just became really depressed and anxious. The fear haunted my every thought. We thought we’d hit rock bottom. And then the bank put out a repossession order on our family home. I still struggle with the notion that even though I was working full-time, we were doing our honest best, but still, here we were looking at being made homeless.

It was during court proceedings that we became aware of Abhaile. It was through Abhaile that we met Conor, a Personal Insolvency Practitioner. The first thing he did was listen. He didn’t judge, he empathised, he reviewed our financial situation to figure out a plan and he gave us hope. The relief was enormous.

Through the free support from Abhaile, we worked up a PIA, a Personal Insolvency Arrangement. We gave this to our lender, and they agreed to reduce the mortgage on our home to the market value, which freed up money to pay the other debts. The bills went back to being something we could cope with; we became solvent again over 24 months.

Most importantly, we got to keep our home.

And…we got to breathe again, to live as a family again.

Talk to Abhaile, there’s no shame in getting helped back up on your feet.

"The first thing he did was listen. He didn’t judge, he empathised, he reviewed our financial situation to figure out a plan and he gave us hope. The relief was enormous."

Does this story sound familiar? We hear stories like Adam and Sally's on a weekly basis. There is hope and it is through engagement with the professionals working with the Abhaile scheme that long-term and permanent solutions are possible.

If you have a story similar to Adam and Sally and do not know where to turn, then turn to the free support available through Abhaile.

If you or someone you know is in mortgage arrears, please reach out to the free supports available to you through Abhaile. Get started by calling 0761 07 2000 and speaking with an adviser today.