The Money Advice and Budgeting Service is a free, confidential and independent service funded thorough the Citizens Information Board. MABS assist people who have debt problems, who are in difficulty paying a mortgage or who are facing legal action because of debt. They also provide information and access to Insolvency Services. For more information contact MABS on: www.mabs.ie or call Kilkenny MABS on 0761 072610.