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Mitchell O'Brien, PIP (@mitchellob) profile picture

Mitchell O'Brien, PIP

@mitchellob

Insolvency Practitioner - Founder of Ireland's first dedicated Personal Insolvency Practice

 Dungarvan, Co. Waterford
irs-ireland.com
Joined July 2009
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366Media
Photo by Mitchell O'Brien, PIP (@mitchellob)Photo by Mitchell O'Brien, PIP (@mitchellob)Photo by Mitchell O'Brien, PIP (@mitchellob)Photo by Mitchell O'Brien, PIP (@mitchellob)Photo by Mitchell O'Brien, PIP (@mitchellob)Photo by Mitchell O'Brien, PIP (@mitchellob)Photo by Mitchell O'Brien, PIP (@mitchellob)Photo by Mitchell O'Brien, PIP (@mitchellob)Photo by Mitchell O'Brien, PIP (@mitchellob)Photo by Mitchell O'Brien, PIP (@mitchellob)
PIP Practice is an equal blend of arithmetic, law & ethics; balancing the interests of debtors and creditors, and facilitated by an independent statutory functionary, the Personal Insolvency Practitioner ("PIP") @ISIbackontrack @AbhaileInfo @MABSinfo
Image from Mitchell O'Brien, PIP (@mitchellob)
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Looks like the ECB interest rate will go up again next month. Worth looking at current fix rate offers from your mortgage lender. independent.ie/business/mone…
Mortgages expected to rise again as experts say third ECB rate hike is ‘increasingly certain’

Mortgages expected to rise again as experts say third ECB rate hike is ‘increasingly certain’

Inflation in the eurozone increased to 4pc in October

independent.ie
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Bond market turmoil complicates ECB rate decision irishtimes.com/business/2026…

Bond market turmoil complicates ECB rate decision

Frankfurt expected to increase rates again in December

irishtimes.com
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Irish people can use a calculator and have common sense @IRLDeptFinance @Independent_ie independent.ie/business/iris…
Just 220 people opt to defer state pension despite higher weekly payments on offer

Just 220 people opt to defer state pension despite higher weekly payments on offer

independent.ie
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What happens when you can’t pay an electricity or gas bill? irishtimes.com/your-money/20…

What happens when you can’t pay an electricity or gas bill?

Half a million people are behind their on gas and electricity bills as soaring fuel costs squeeze households – what can they do?

irishtimes.com
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Welcome clarity for PIPs from the High Court on both: 1. How interest rates can be applied in a PIA, and 2. Extending mortgage terms beyond normal retirement ages in a PIA independent.ie/irish-news/co…
Homeowner (60) given fixed mortgage rate of 0.5pc for 18 years under debt deal

Homeowner (60) given fixed mortgage rate of 0.5pc for 18 years under debt deal

High Court approves PIA after judge rejects bank’s objections

independent.ie
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Lots to learn from the @centralbank_ie mortgage arrears statistics for Q2 2026. Concerning how many new arrears cases in Q1 & Q2, & no meaningful progress on long-term arrears cases. @CWeston_Indo keeping on top of this 18 year saga
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Charlie Weston (@CWeston_Indo) profile pictureCharlie Weston@CWeston_IndoSep 19
Cost-of-living crisis blamed as 12,315 mortgage accounts fall into arrears for first time independent.ie/irish-news/co…
Cost-of-living crisis blamed as 12,315 mortgage accounts fall into arrears for first time

Cost-of-living crisis blamed as 12,315 mortgage accounts fall into arrears for first time

Experts say even those on decent incomes are struggling with multiple price rises

independent.ie
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These ECB comments are worth considering independent.ie/irish-news/po…
ECB chief says Troika austerity measures could have been spread out over ‘more time’ after 2010...

ECB chief says Troika austerity measures could have been spread out over ‘more time’ after 2010...

independent.ie
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ECB set for September rate hike with no appetite for more share.google/BTjOASxNY2Llbkv…
ECB set for September rate hike with no appetite for more

ECB set for September rate hike with no appetite for more

European Central Bank policymakers are ready to raise interest rates at their next meeting in September to contain the side-effects of the Iran war but they have little appetite to signal further...

rte.ie
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Thousands of Irish OAPs at risk of losing homes over 'dire' mortgage repayments thesun.ie/money/17487935/iri…
Thousands of Irish OAPs at risk of losing their homes over ‘deep arrears’ on mortgage repayments in...

Thousands of Irish OAPs at risk of losing their homes over ‘deep arrears’ on mortgage repayments in...

THOUSANDS of Irish OAPs may be at risk of losing their homes over “deep arrears” on mortgage repayments. And the State could face a massive bill to rehouse elderly homeowners unless new…

thesun.ie
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Mitchell O'Brien, PIP retweeted
Charlie Weston (@CWeston_Indo) profile picture
Charlie Weston@CWeston_IndoAug 20
Thousands of homeowners in their 60s at risk of being evicted from their homes independent.ie/business/mone…
Thousands of homeowners in their 60s at risk of being evicted from their homes

Thousands of homeowners in their 60s at risk of being evicted from their homes

State faces massive bill to rehouse them unless solutions can be found

independent.ie
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Mitchell O'Brien, PIP retweeted
Charlie Weston (@CWeston_Indo) profile picture
Charlie Weston@CWeston_IndoAug 19
Pace of property prices rises slows but typical cost now seven times average earnings independent.ie/irish-news/pa…
Pace of property prices rises slows but typical cost now seven times average earnings

Pace of property prices rises slows but typical cost now seven times average earnings

Only consolation for buyers is rate of property inflation is slowing down

independent.ie
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Our proposal for dealing with older low income borrowers in long term mortgage arrears written about by @CWeston_Indo on the front page of today's @Independent_ie @centralbank_ie @OCallaghanJim @MichealMartinTD @SimonHarrisTD @AbhaileInfo @mabsinf independent.ie/business/mone…
Image from Mitchell O'Brien, PIP (@mitchellob)
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An Enduring Power of Attorney (EPOA) isn't a easy thing to think about, or activate when the time comes, but a hugely important thing to have if it becomes necessary... If you know, you know independent.ie/business/mone…
‘Next of kin is a myth’ – why you need to create an enduring power of attorney

‘Next of kin is a myth’ – why you need to create an enduring power of attorney

An enduring power of attorney is a legal safeguard that allows you to plan for the future while you are in good health. Yet only 8pc of Irish adults have one

independent.ie
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1 This @BPFINews data, 2 House prices, 3 stock market values, & it's beginning to look a lot like 2007. If you are struggling to meet loan payments while maintaining a reasonable standard of living, call IRS-Ireland.com/contact for advice on options independent.ie/irish-news/lo…

Contact – IRS Ireland | Personal Insolvency Dublin & Dungarvan

irs-ireland.com
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Mitchell O'Brien, PIP retweeted
Charlie Weston (@CWeston_Indo) profile picture
Charlie Weston@CWeston_IndoJul 23
Price is biggest barrier stopping drivers switching to an EV independent.ie/business/mone…
Price is biggest barrier stopping drivers switching to an EV

Price is biggest barrier stopping drivers switching to an EV

Drivers also put off by lack of charging infrastructure

independent.ie
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ARA vs PIA: Which Is Right for You? – IRS Ireland | Personal Insolvency Dublin & Dungarvan If you are dealing with mortgage arrears, take this 1 minute quiz to see which: 👉 irs-ireland.com/ara-vs-pia-w… @MABSinfo @AbhaileInfo @ISIbackontrack @lawsocietyire @CWeston_Indo
Image from Mitchell O'Brien, PIP (@mitchellob)
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The BIG QUESTION with this data is "if you can't pay your electricity bill, what else can't you afford to pay!? Over 500,000 households in energy arrears for the first time as Government told families are ‘struggling to keep up’ | Irish Independent independent.ie/irish-news/po…
Over 500,000 households in energy arrears for the first time as Government told families are...

Over 500,000 households in energy arrears for the first time as Government told families are...

independent.ie
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If you can fix your mortgage interest rate, it may be time to do it early this week. @AbhaileInfo @MABSinfo Households face higher costs as ECB set to raise rates share.google/wgkNcZpAcYbotsD…

Households face higher costs as ECB set to raise rates

European Central Bank President Christine Lagarde is widely expected on Thursday to announce a 0.25% rise in the ECB's interest rate, bringing it up to 2.25%.

rte.ie
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From beef and diesel to a pint of stout – scale of price shock over last five years laid bare independent.ie/business/mone…
From beef and diesel to a pint of stout – scale of price shock over last five years laid bare

From beef and diesel to a pint of stout – scale of price shock over last five years laid bare

Consumers hit by ‘runaway’ costs for everyday basics, and experts warn of worse to come

independent.ie
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Irish inflation could hit 7% if Hormuz blockade continues for rest of year – AIB irishtimes.com/business/2026…
Irish inflation could hit 7% if Hormuz blockade continues for rest of year – AIB

Irish inflation could hit 7% if Hormuz blockade continues for rest of year – AIB

Real wage growth will be offset by higher rate of inflation, leaving households marginally worse off on average, bank says

irishtimes.com
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