DRN - Debt Relief Notice

If you have debts of less than €35,000, a low income and few or no assets, you may apply for a Debt Relief Notice (DRN) through an approved intermediary (AI).  A list of AIs can be found on the Insolvency Service of Ireland’s website here.

  • The DRN could include secured debts and unsecured debts, such as credit card loans, utility bills or personal loans.
  • A DRN lasts for three years – or less if half of your debts are paid off.  After this time any debts that you owe will be written-off i.e. no longer due. 
  • You are protected while your DRN is in place and creditors, such as banks, cannot take any legal action against you.
  • You can only have one DRN in your lifetime.