It is worth considering your options. Two possibilities come to mind. If your debts are less than €35k then you might me able to get a Debt Relief Notice (DRN). And if your debts are over €35k then you may be able to apply for your own bankruptcy. Both options last a year, and both options stop your creditors from hassling you. As you have lost your house and are on a low income it is unlikely that either option will make any difference to your day to day living, and on the plus side, you will be drawing a "line in the sand" and moving on with your life. Suggest talking to MABS in the first instance as their service is free. Best wishes.