Debt Resolution Services

Debt Resolution and Restructuring Services

Quintas has many years’ experience in negotiating for persons who find themselves in situations where for whatever reason their liabilities exceed their assets.  Schemes of arrangements with creditors are organised and banks and financial institutions are negotiated with by our team on your behalf.

Working with our debt resolution team, clients have been able to take a breath to allow them to better evaluate options available to them and come to decisions about solutions that work both for them personally and for the financial institutions involved.

We deal with all of the main pillar banks, revenue, major financial institutions and vulture/investment funds.

Contact us for a confidential and honest discussion of your debt problems and let us help you to find the best path forward

What is Debt Resolution?

Debt Resolution is the renegotiation and/or settlement of your business and/or personal debts.

It involves debt restructuring and settlement and it takes your current debts and structures them within your means, so you can get back on your feet.

The goal in any debt restructuring is to negotiate the best possible outcome for our client and help you get back on track.

In our experience creditors are more likely to work with you if they understand that your situation is being handled by professionals, whether you’re still trying to run your business or just get past the debt that’s keeping you from moving on.

If you find yourself with too much corporate or business debt there are solutions to save your business, your time and your peace of mind. The earlier you start this process the better chance you have of a successful result

You are legally obligated to pay your creditors and if anyone tells you to stop making payments to creditors, you do so at the risk of having your credit rating reduced, as well as the impact of having missed payments which can remain on your credit report for several years even after a debt is settled.

What’s missing from the world of debt settlement are real results – and that’s because most debt resolution firms do not have the expertise and experience that we have in our team. 

With our dynamic financial management and advisory experts our team can help you get the best possible outcomes.

How It Works

Today creditors are more willing to settle with borrowers and with our expertise we may be able help you make substantial reductions on your outstanding debts.

If you feel trapped by your debt and are struggling every month to pay your bills, we may be able to help.

Due to the economic crash individuals and their businesses have become saddled with too much legacy debt and they no longer have the ability to pay all their debts as they fall due.

The influx of Vulture funds into the state who have bought up bad loans from the main banks means that the next 12 to 24 months will be extremely busy from a debt settlement perspective.

With our expertise we negotiate on your behalf to reduce your debt.

When do we start?

Having trouble paying your bills? Avoiding the phone because you think it will be collection agencies? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?

You’re not alone. Many people face a financial crisis at some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, a business failure or overspending, it can seem overwhelming. But often, it can be overcome. Your financial situation doesn’t have to go from bad to worse. If you or someone you know is in financial trouble, we may be able to help.

Often times through our experience and expertise we can settle debts for less than the full value of the loan, as well as getting you into affordable monthly payments. After a few years you can be out of debt. Stop the sleepless nights and harassing calls from creditors; get started now and end this stressful situation.

What Quintas can offer you:

  • Experienced, professional and battle-hardened debt resolution experts
  • We specialize in Debt Settlement and debt reduction programs. We help move people from the edge of bankruptcy back onto a solid financial ground.
  • Our experience and ties in the industry helps us negotiate with creditors
  • Informally dealing with the bank on your behalf
  • In house PIP to review your case under the personal insolvency and bankruptcy legislation
  • An all-inclusive debt resolution and restructuring service
  • Financial review to protect your family home and your financial future
  • Refinancing opportunities with other financial institutions
  • Step in to your shoes – we take the calls, letters and emails,
  • We deal with all types of creditors on your behalf
  • Non-judgmental professional service
  • Extensive in-house skills required for debt restructuring
  • Understanding of relevant legislation & guidelines.
  • Experienced Staff with vast knowledge of relevant Taxes: IT, CGT, VAT & CAT.
  • Understanding of Offer Letters, Facility Letters, Personal Guarantees etc.

What is involved in the process when you engage with us?

  • Arrange a free consultation meeting with us to review your case.
  • We will review your financial situation and we will explain in detail how the process works and how you can resolve your debt problems.
  • We will set out a detailed plan of your options and how you can resolve your indebtedness.
  • We will implement this plan on your behalf and negotiate directly with your creditors
Mark Ryan
Mark Ryan
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Contact our expert

Mark Ryan

Banking & Insolvency Partner

Mark Ryan


Mark has worked in practice since 1998 and he has experience in all aspects of an accountancy firm. Mark is responsible for providing debt resolution, personal insolvency and bankruptcy services. He also provides business advisory services to a wide variety of clients in different business sectors.

Sector Experience

Mark has extensive experience in financial planning, restructuring and business advisory services.

Mark was one of the 1st Personal Insolvency Practitioners (PIPs) authorised by the Insolvency Service of Ireland (ISI) in August 2013. He has assisted hundreds of people resolve their debts and make a fresh start with their lives.

A PIP is a professional financial advisor who is regulated by the ISI to represent individuals in debt in applying for a DSA or PIA and to administer the agreement once it has been accepted and approved. This is a relatively new area of Law which was only introduced into Ireland in 2012.

Qualifications & Previous Roles

Mark completed his qualifications with the Association of Chartered Certified Accountants (ACCA) in December 1999 and he is a member of the Institute of Certified Public Accountants (CPA)

Mark completed his Personal Insolvency Practitioner (PIP) Certificate Examination in June 2013

Expertise Covers

Personal Insolvency & Bankruptcy, Debt Resolution, Financial Planning, Advisory, Restructuring.

Did you know...

The single parent tax credit can now only be claimed by the “primary carer” as opposed to both parents as was the case pre 2014.

Did you know...

You can earn up to 10k tax free through the renting of a room in your principle private residence.