I live in the Republic of Ireland and have 20,000 euro of debt. I need some advice as to what my options are?
Debt repayment and insolvency options are different in ROI, there are different rules and laws.
You may qualify for a Debt Relief Notice or a Personal Insolvency Arrangement, which is similar to an IVA in the UK.
I would suggest you contact MABS, the Money Advice and Budgeting Service there in Ireland, they can help you.