early pension cash in

rtc

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I've been looking at the option of cashing in my pension early in order to avoid insolvency or bankruptcy ie: to pay off some unsecured debts .However I am 46 and have been told I cant access any of it until I am 50 .Is there any way around this ?wasn't Michael Noonan supposed to enact some legislation around this ?
 
AFAIK investment in pensions can be excluded from insolvency/bankruptcy. This can be easily checked.
 
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