If you are worried about mortgage arrears, contact your lender promptly and ask for its arrears or mortgage support team; you may be able to use the Mortgage Arrears Resolution Process (MARP), depending on your circumstances. MABS offers free, independent debt advice and can help you prepare information about your income, spending and debts. Eligible borrowers may also be able to access free financial or legal support through the Abhaile scheme. Keep all letters and statements, avoid ignoring contact, and check current guidance with MABS, Citizens Information or the Central Bank of Ireland.