I broadly welcome this legislation. It is good to see that the Insolvency Service Of Ireland, MABS and the Citizens Information Board have all welcomed the Bill. Personal insolvency is an incredibly difficult situation for anyone to be in and we have to make every effort to ensure that the process is fair and does not put people through unnecessary hardship. Personal insolvency applications reached an all-time high in July last year, with 239 applications to the Insolvency Service of Ireland. That was a 125% increa…