Mortgage Arrears Counselling / Loan Arrears Counselling / Rent Arrears Counselling

M.A.C.S is called in by lenders, councils and landlords to go out to customers who have fallen into arrears and find out the full extent of their different debts.

Under instructions from lenders, councils and landlords we visit customers at their home and discuss the reasons for their mortgage, loan or rent arrears.

We also provide comprehensive information on the customer and property visited, including the customers work status, debts, lifestyle and other tenants in the property.

We compile detailed reports providing up to date information about the customers, and details of the present occupancy. We also seek long-term solutions intended to retain goodwill and yet ensure customers meet their payment commitments.

Every M.A.C.S counsellor is comprehensively trained and fully understands the sensitivities of the services we provide on behalf of lenders, councils and landlords. .



Pre-Eviction Mortgage Arrears Counselling.

Many Customers panic and ignore the whole "mess" after a warrant is issued for eviction. A visit from one of our Counsellors 1-2 weeks before the eviction date can sometimes stop the eviction continuing. Our Counsellor's can visit the customer and attempt to arrange payments to stop it.


We can also attend on eviction day to ensure that the customer fulfills their obligation to the lender or landlord. We also obtain any forwarding information for the customer.


Post-Eviction Arrears Recovery Counselling.


When a customer has left a property, with an outstanding balance owed, our counsellors can meet with the debtors and arrange a schedule to repay the debt. We can olso ensure that a permanent forwarding address is obtained.


Occupancy Verification.


We are able to establish who is living at the target address in the event of a lender, council or landlord suspecting that the customer has vacated the property. We can quickly provide information about any property that has been abandoned or if it lies empty..



Debtor / Skip Tracing .


M.A.C.S have achieved outstanding success in locating debtors, absconders and beneficiaries within Ireland and the UK, our experienced trace locators and investigators have a 93% success rate, of which we are very proud..