Frequently Asked Questions

I have fallen behind with my bills and am afraid to contact my lender.

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.

Is there a fee for the service provided by MABS?

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.

I have experienced a loss of income, how can I find out what benefits I can claim?

You may be entitled to some government benefits to help increase your income. You should check 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-8pm) or by visiting your local Citizens Information Centre.

I’m self-employed, having trouble with business debts, and can’t afford an accountant. Who can I talk to?

CAVA, the Chartered Accountants Voluntary Advice Service, can assist. Please note that CAVA do not take self-referrals directly from the public. For an appointment with one of their volunteer accountants, please contact your local CIS or the Citizens Information Phone Service on 0761 07 4000. Please note that you may be asked for a short summary of the matter you need advice on before your appointment, in order that you can be put in touch with the accountant best suited to your particular needs.

I’m finding it really hard to keep up with payments on my credit cards, term loans or overdraft, and I’m afraid that my creditors might eventually take legal action against me. What can I do to prevent this?

MABS have put in place a procedure with the BPFI (Banking and Payments Federation of Ireland) under which MABS clients can ask for lower payments, and a settlement of some of your debt could also be considered by your lender (at their discretion). This could be a solution for you if your debts have become too much to manage.

The subscribing members of the BPFI are: Bank of Ireland, AIB, PTSB, KBC, EBS, AvantCard, Danske Bank, and Ulster Bank.

Download the full document (pdf).

Read our Frequently Asked Questions (pdf).

If you have debts with any of these lenders, please contact the MABS helpline on 0761 07 2000 or your local MABS service for advice.

PLEASE NOTE that this procedure does not apply to mortgage debt.