I am unemployed, on social welfare, legally separated with no assets. My mortgage for the family home, which has been unoccupied since 2012 was with Ulster Bank and now is being dealt with by Cabot Financial. The mortgage was solely in my name and also the deeds so the responsibility of dealing with it are mine solely. I have had no response from Cabot to two letters send by my Solicitor (one in Nov 2015 and one in Jan 2016) stating my financial situation and enclosing a letter to say I am on a social housing list, looking for debt write off and to proceed with agreed sale on the property. After the sale of the house the debt would be 100,000 euros. So I am considering going down the Insolvency route and have spoken to a PIP advisor. As it seems to progress with this and get a reply from Cabot it is the only option. This is going to cost me 2,000 euros to employ the PIP and I have been advised that I need to offer 5% minimum of the debt to secure a deal on debt write off with Cabot. This is a worry as I don't have the money but could be raised through family help. Would like to get a view from this forum if this seems like the best thing to do or is there anything else I should be aware of in this situation?