An End Based on Means? FLAC Report on Consumer Debt

FLAC's 2003 report on consumer debt, An End Based on Means?, examines how the Irish legal system treats consumers with debt problems and calls for a complete overhaul of existing procedures, which it believes are outdated and confrontational.

It cites Central Bank figures which show that people are borrowing more now than ever in the history of the State. Many face increasing difficulties in meeting their commitments due to adverse changes in their circumstances. Meanwhile, the legal system in relation to debt enforcement remains largely unchanged in over 60 years. New solutions are needed to help the increasing number of people who find themselves unable to cope with their debts.