In some situations, a creditor is required by law to provide a customer with a Debt Advice and Information Pack which will provide you with information on what to do if you are struggling to repay what you owe.
This is relevant where a creditor is intent on taking action to recover monies owed to them through diligence, or if they intend to take matters further and make you bankrupt.
Click here for the AIB’s further guidance on Debt Advice and Information Pack.