The Insolvency Service of Ireland started taking applications from personal insolvency practitioners during the week so the first debtors can consult with PIPs from July onwards. The fee charged by the PIP, which both debtor creditors have to agree to, is taken from the money available for distribution to the creditors. So if a debtor can pay €100 a month and the PIP is getting paid €10 then €90 is left for the creditors. If the PIP is getting paid €20 then that leaves €80 for creditors. It's all the one for the debtor though - he or she is paying €100 a month irrespective of what the fee for the PIP comes to.