MABS is a free, confidential and independent service that can help you review your income, spending and debts, and work out practical next steps. Its advisers may help you prepare a budget, understand your options and communicate with creditors, depending on your circumstances. MABS does not automatically write off debts, and any repayment arrangement will depend on your situation and the creditor’s response. You can find information and contact details at mabs.ie, or check Citizens Information for guidance on other debt supports.