Minister for Social Protection Joan Burton has said that lending institutions need to engage immediately with those having difficulty in repaying their mortgages.
Speaking on RTÉ Radio1 Joan Burton said lenders and borrowers have to assess people's situations on a case-by-case basis.
Ms Burton said lending institutions at present were not engaging with borrowers sufficiently.
Earlier this week Tánaiste Eamon Gilmore ruled out a blanket debt forgiveness scheme for distressed mortgage holders.
Figures due out from the Central Bank tomorrow are expected to show a dramatic rise in cases.
