The Insolvency Service of Ireland has said there are 37,000 mortgages in arrears of over 720 days in Ireland.
Representatives of ISI were before the Oireachtas Justice Committee this afternoon.
Responding to independent TD Finian McGrath, ISI head Lorcan O'Connor said there is a lack of engagement in a large number of cases.
He said that of the 110,000 mortgages in arrears, a large cohort of people still needed help.
Mr O'Connor said that despite criticism of the ISI over the low level of cases it has dealt with, feedback to the service has been very positive.
He pointed out that 110,000 mortgages may be in arrears, but more than that number had been restructured.