Ireland's No.1 facilitator of PIAs & Bankruptcy Solutions

Mitchell O'Brien is authorised by the Insolvency Service of Ireland to carry on practice as a Personal Insolvency Practitioner ("PIP").​

Mitchell is the co-founder of IRS IRELAND ("IRS"), Ireland's first and most successful Personal Insolvency Practice based in Dungarvan, Co. Waterford. IRS is the country's most successful facilitator of PIAs and Bankruptcy.

Mitchell O'Brien

B.A.F.S., Dip.L.B.C., C.P.M., C.P.I.P., P.I.P.C., P.I.P., P.C.

Bachelor of Arts in Financial Services

[Waterford Institute of Technology]

Certificate in Personal Insolvency Practice

[National College of Ireland]

Personal Insolvency Practitioner Certificate

​[CPA Ireland] 

​Diploma in Life and Business Coaching

[Coach Institute of Ireland]

Certification in Project Management

[Waterford Institute of Technology]

  • Founding Partner of Ireland's first dedicated Personal Insolvency practice.
  • First Personal Insolvency Practitioner ("PIP") to be authorised by the Insolvency Service of Ireland ("ISI"), ISI PIP License no. PC00001.
  • First PIP to have a Protective Certificate issued with respect to a Personal Insolvency Arrangement ("PIA").
  • First PIP to have a PIA approved at a creditors' meeting and subsequently by the Circuit Court. This was the first Court approved restructuring of secured debt, short of bankruptcy, to happen anywhere in the World.
  • Appointed to the Steering Group to review the content and format of the Prescribed Financial Statement ("PFS").
  • Appointed to the ISI's Debt Solutions Protocol Steering Group ("DSPSG")
  • Conceived and delivered Ireland's first two 'Accelerated PIAs' approved by the South Eastern Circuit Court on 15/05/2014.
  • Appointed as Peace Commissioner by the Minister for Justice Frances Fitzgerald TD
  • Member of Consultative Forum reporting to the Minister for Justice and Law Reform on the Operational Effectiveness of the Insolvency Service of Ireland – Chair of Working Group – Dec 2015


Dip.L.B.C., C.P.I.P., A.I., P.C.

Certificate in Personal Insolvency Practice

[City Colleges, Dublin]

​Diploma in Life and Business Coaching

[Coach Institute of Ireland]

PIP Practice is a Team Effort

​IRS co-founder Denise O'Brien is Practice Manager, an Approved Intermediary with respect to applications for Debt Relief Notices ("DRNs"), and usually a debtor's first point of contact.

Denise is a graduate of the Insolvency Service of Ireland's approved course of study in Personal Insolvency Practice from City Colleges Dublin, and a qualified Life and Business Coach. Denise was appointed a Peace Commissioner by the Minister for Justice, Equality and Law Reform for the County of Waterford and adjoining counties.

Denise O'Brien is authorised by the Insolvency Service of Ireland as an Approved Intermediary.

Denise will assist a debtor identify and compile the documentation required in the Personal Insolvency process. This will include:

  1. Three months payslips
  2. Last year's P60, or self-assessment tax return if you are self-employed
  3. Six months statements on your active bank accounts
  4. Statements or demand letters for each of the debts that you owe
  5. A list of your assets and your best estimate of their values, i.e. your home, your car, etc.
  6. A copy of your driving license and/or passport

​Once everything is together, Denise will allocate the task of assisting you complete your Prescribed Financial Statement ("PFS") to one of our case managers.


A debtor's journey towards solvency starts with their Prescribed Financial Statement ("PFS"). This is a cumbersome document to prepare, but its accuracy and completeness are necessary to ensure a timely and successful outcome.

Our qualified and professional team ensure the statutory timelines in a debtor's journey through a DRN, DSA, PIA or Bankruptcy are adhered to.

Take control of your finances and get a fresh start

When you are worrying about debt problems it can be tempting to ignore bills and letters from creditors and hope that the issue will go away.

​But the sooner you take action, the sooner you will be free of your debt burdens and can move on with your life.

To start your PIA journey, click here now!