Debt that may or may not be included in a DRN

May be included:

Credit card debt
Overdrafts
Personal Loans
Credit Union Loans
Utility bills
Store cards

Requires consent of creditors to be included* "Excludable Debts":

Taxes, duties, levies owed or payable to the State
Local government charges
Amounts due to the Health Service Executive under the Nursing Home Support Scheme
Annual service charges to owner’s management companies (apartments and housing estates)
Liabilities arising under the Social Welfare Consolidation Act 2005
Local authority rates
Household charges

*Creditor consent to include debt may be requested in which case it becomes a permitted debt. If no response is received the creditor will be deemed to have consented.

Cannot be included "Excluded Debts":

Family maintenance payments under Court orders
Court fines in respect of criminal offences
Liabilities arising out of personal injury or wrongful death claims awarded by the Court
Liabilities arising from loans obtained by fraud