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A Personal Insolvency Arrangement (PIA) is Ireland’s debt management solution for individuals who want to avoid outright bankruptcy and declare insolvency.〔(【引用サイトリンク】url=http://www.citizensinformation.ie/en/money_and_tax/personal_finance/debt/personal_insolvency/personal_insolvency_arrangements.html )〕 The agreement is one of the three alternatives authorized under newly introduced Ireland’s “Personal Insolvency Act 2012; Debt Settlement Arrangements (DSA) and Debt Relief Notices (DRN) make the other two arrangements. PIA mandates a legal agreement between a debtor and their creditors, which is mediated and administered by a Personal Insolvency Practitioner (PIP). A PIA usually lasts for a term of six years and must include both unsecured debt and secured debts. == Eligibility == Eligibility criteria for a debtor include:〔(【引用サイトリンク】url=http://www.irishstatutebook.ie/2012/en/act/pub/0044/sec0091.html )〕 * The debtor is insolvent, that is they cannot pay debts in full when they are due. * The debtor owes a debt to at least one secured creditor holding security over Irish property or assets. * The debtor has secured debts less than €3 million (unless creditors agree to upper limit) * The debtor has co-operated with their secured creditor under a mortgage arrears process for 6 months. * The debtor must live in the Republic of Ireland, or ordinarily resided or had a place of business within Ireland. * The debtor provides a Prescribed Financial Statement and a PIP has examined the debtors financial situation and confirms eligibility. Furthermore, a debtor must not have any agreements mandated under the instant Act, bankrupt nor accumulated 25% or more of their total debt during the previous 6 months 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Personal Insolvency Arrangement (PIA)」の詳細全文を読む スポンサード リンク
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