Almost a year has passed since the Personal Insolvency Act was signed into law in the closing days of 2012. A fresh new year dawned with great hope that problematic debts would be tackled, but the reality was a lot more piecemeal.
It took until March for the Insolvency Service of Ireland (ISI) to be formally established, although work was going on behind the scenes beforehand. April saw the details of the debt solutions offered by...
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