The background to the proposed legislation – the Personal Insolvency Bill, 2012 – is in the Law Reform Commissions Report published in December 2010, where very significant recommendations were made on reforming Personal Insolvency law.

There have also been other more recent reports including the Mortgage Arrears (Keane) Report of October 2011.
When Minister Alan Shatter announced the publication of the Bill on the 20th June last, he did point out that “considerable development of the individual provisions in terms of legal and technical detail had taken place in order to provide for a more coherent approach in the Bill”.


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