Nine key principles to overcome debt A statement by organisations & researchers working for those in debt

'Nine Key Principles to Overcome Personal Debt' are the fruit of months of joint discussions between a range of organisations and researchers. The group issued the 9 principles as a joint statement which was launched at a press conference in Dublin on 19 October 2011. The group says these principles must be used as a basis to address the crisis and implement reforms. The joint statement includes some analysis of the overall debt situation, its causes and consequences, and names specific measures to ensure a just, fair and equitable outcome for over-indebted people, such as access to independent advice, retention of homes and maintaining a minimum household income.