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Debt that may or may not be included in a DRN

May be included:

  • Credit card debt
  • Overdrafts
  • Personal Loans
  • Credit Union Loans
  • Utility bills
  • Store cards

Requires consent of creditors to be included* "Excludable Debts":

  • Taxes, duties, levies owed or payable to the State
  • Local government charges
  • Amounts due to the Health Service Executive under the Nursing Home Support Scheme
  • Annual service charges to owner’s management companies (apartments and housing estates)
  • Liabilities arising under the Social Welfare Consolidation Act 2005
  • Local authority rates
  • Household charges

*Creditor consent to include debt may be requested in which case it becomes a permitted debt. If no response is received the creditor will be deemed to have consented.

Cannot be included "Excluded Debts":

  • Family maintenance payments under Court orders
  • Court fines in respect of criminal offences
  • Liabilities arising out of personal injury or wrongful death claims awarded by the Court
  • Liabilities arising from loans obtained by fraud