In the last year of an insolvency, is it possible to get a loan from a family member amounting to the total amount of payments remaining on the insolvency and terminate early?
It all depends on how the PIA was constructed. Many PIA's allow for "minor" variations. PIPs are legally allowed to extend all PIAs by up to a maximum of 12 months without the need to convene a creditors meeting. However, major variations would require a creditors meeting to approve them. I do not know of any PIP who does not charge extra for a "major variation" (unless they were doing it pro bono.)