After the collapse of my husband’s business in 2008 we faced a very uncertain future for both ourselves and our family. Bankruptcy and the loss of our family home were very real possibilities. This caused us both to have many sleepless nights and both of us became very withdrawn. The stress of trying to make ends meet while fending off endless letters and phone calls..
from our creditors, some of which were very threatening and always very demeaning, took its toll on our whole family. On a wet day on the 3rd October 2015, we attended the Insolvency Service of Ireland “Back on Track” Roadshow in the Athlone Springs Hotel in a last attempt to try and get our lives back. It was here we first met Colm who transformed our lives after a very short meeting. Colm listened intently, asked a few questions and offered a sense of reassurance with an empathy we had not experienced in a very long time.
We left the hotel with a renewed sense of hope and with our dignity restored. We started working with Colm immediately and he helped us deal with all our creditors by taking on responsibility for all communication with them. He assisted us in preparing the multitude of documents we needed to present our case for insolvency and negotiated with all our creditors to achieve the best possible outcome for us which included a substantial write off our debts. We are now just over halfway through the 6-year Personal Insolvency Arrangement Colm helped put in place for us. We are completely different people now.
While we still struggle financially to meet all our commitments, we know in 3 years we will once again have control over our destiny and be able to deal with the “normal” stress of household finances. We cannot recommend Colm and his small and dedicated team highly enough. Without their expert knowledge, tenacity and practical help we would not be where we are today. In all our dealings with Colm and his team, they have been positive, prompt, courteous and informative. Colm puts the “personal” into Personal Insolvency Practitioner in every possible way and all with kindness and a great sense of humour.
This is one debt we would love to be able to repay but will never be able to put a monetary value on. Thank you, Colm and all the team!