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07 Sept 2025
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07 Sept 2025
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Question
We’re way behind with our mortgage and can’t pay our other bills either. We’re afraid that the bank will take our home – they keep sending us letters. What can we do?
Answer
You can contact MABS, the Money Advice and Budgeting Service, to get help under the scheme of aid and advice for borrowers in home mortgage arrears. Contact the MABS Helpline: 0761 07 2000 (9am - 8pm, Mon - Fri) or your local MABS office.
This scheme is part of Abhaile, the national Mortgage Arrears Resolution Service. It provides a range of services to help you to deal with your situation, including financial advice, legal advice and insolvency advice.
Abhaile is coordinated by the Departments of Justice and Equality, and Employment Affairs and Social Protection. It is operated by MABS along with the Insolvency Service of Ireland (ISI), the Legal Aid Board and the Citizens Information Board. Panels of qualified and regulated professionals provide services under Abhaile.
You will qualify for advice and assistance under Abhaile if:
You are insolvent – this means that you are unable to pay your debts in full as they fall due and
You are in mortgage arrears on your home and
You are at risk of losing your home (for example, if your mortgage lender has initiated repossession proceedings or indicated that they plan to do so; if they have said that they consider you to be non-cooperating; or if they have asked you to consider selling or surrendering your home) andThe costs of staying in your home are proportionate to your reasonable accommodation needs
You can contact MABS to check if you are eligible for Abhaile (as eligibility is decided case by case). Read more about Abhaile on mabs.ie.
Further information is available from the Citizens Information Centre below.
Know Your Rights has been compiled by Thurles Citizens Information Centre, 2nd Floor, Mall House, Slievenamon Road, Thurles, which provides a free and confidential service to the public.
Tel: 0761 07 6510 Monday to Friday 10am to 1pm and 2pm to 4pm and Thursday night 7.30pm – 8.30pm.
Information is also available online at www.citizensinformation.ie and from the Citizens Information Phone Service, 0761 07 4000
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