21st century law needed for 21st century over-indebtedness!

Publication cover - Draft Personal Insolvency Scheme 2012 submission Cover image for Draft Personal Insolvency Scheme 2012 submission

Having become increasingly dependent on credit to organise their finances over the past fifteen years, Irish consumers are now facing a massive debt problem ata time of rising unemployment.Irish laws have not evolved to meet the rapidly changing landscape. The legal system itself has the same basic procedures since before the beginning of World War II. So we have a 21st century consumer credit market with a 19th century debt enforcement system.

FLAC is working to ensure that these laws are reformed, in order to provide consumers and their dependants with a dignified and effective way of dealing with debt that will be fair to the consumer, the creditor and the taxpayer alike. Comprehensive state-funded systems of money advice and civil legal aid are essential to ensure consumers have the support they need to address their situation.

Campaign Resources

You will find policy papers on debt in the publications section.There are also many related press releases around our credit and debt campaign.Finally, FLAC's in-house magazine, FLAC News, always features opinion pieces and articles on our debt campaign.

On 19 April 2012, FLAC held a conference on Legislating for personal insolvency in Ireland: International developments and domestic issues. You can download presentations from the following speakers (in powerpoint or word format), but note that we will have video clips of the event available shortly:

  1. Professor Jason Kilborn, John Marshall Law School, Chicago, USA
  2. Paul Joyce, FLAC Senior Policy Researcher: a) paper and b) powerpoint presentation
  3. Egil Rokhaug, Lawyer, Norwegian Minister of Children, Equality and Social Inclusion: a) paper and b) the 1993 Norwegian Debt Reorganisation Act
  4. Melina Mouzouraki, consumer rights lawyer, Athens, Greece
  5. Professor Gerry Whyte, Trinity College Dublin: a) paper and b) powerpoint presentation
  6. Tom McDonnell, economist, TASC

Other resources we have available are:

Take Action

Please contact us at if you feel you have been affected by the issues mentioned above.