Application to annul a bankruptcy order
| Author | Mark Watson-Gandy |
| Pages | 83-102 |
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cp{"gxkfgpeg"yjkej"vjg"crrnkecpv"kpvgpfu"vq"cffweg"kp"uwrrqtv0"
JGCTKPI"
Yjgtg" vjg" crrnkecvkqp" hqt" cppwnogpv" ku" ocfg" wpfgt" ugevkqp" 4:4*3+*d+" qh" vjg"
Kpuqnxgpe{"Cev" 3;:8"cpf" kv"jcu" dggp"tgrqtvgf" vjcv" vjgtg"ctg" mpqyp"etgfkvqtu"qh"
vjg"dcpmtwrv"yjq" jcxg"pqv"rtqxgf." vjg"eqwtv"oc{" ikxg"fktgevkqpu"vq" cnnqy"vjgo"
cp"qrrqtvwpkv{"vq"rtqxg"vjgkt"fgdvu0"
"
Vjg"vtwuvgg"yknn"cvvgpf"vjg"jgctkpi"qh"vjg" crrnkecvkqp0"Vjg"Qhhkekcn"Tgegkxgt"oc{"
cvvgpf."dwv"ku"pqv"tgswktgf"vq"fq" uq"wpnguu"jg"jcu"hkngf"c" tgrqtv"wpfgt"twng"320356"
qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
"
56" Twng"3067*4+"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
57" Twng"320356"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
::" Personal Insolvency Practice"
"
MG["OCVGTKCNU"
Ugevkqpu"483"cpf"4:4"qh"vjg"Kpuqnxgpe{"Cev"3;:8"
483" Cffkvkqpcn"ghhgev"qp"wpfkuejctigf"dcpmtwrv"
*3+" Vjku"ugevkqp"crrnkgu"yjgtgÏ"
"
*c+" rwtuwcpv"vq" ugevkqp" 479" vjg" fgdvqtÓu" etgfkvqtu" fgekfg" vq" crrtqxg" vjg"
rtqrqugf"xqnwpvct{"cttcpigogpv"*ykvj"qt"ykvjqwv"oqfkhkecvkqpu+."cpf"
*d+" vjg"fgdvqt"ku"cp"wpfkuejctigf"dcpmtwrv0"
"
*4+" Yjgtg"vjku"ugevkqp"crrnkgu" vjg"eqwtv"ujcnn"cppwn" vjg"dcpmtwrve{"qtfgt" qp"cp"
crrnkecvkqp"ocfgÏ"
"
*c+" d{"vjg"dcpmtwrv."qt"
*d+" yjgtg"vjg"dcpmtwrv"jcu"pqv"ocfg" cp"crrnkecvkqp"ykvjkp"vjg"rtguetkdgf"
rgtkqf."d{"vjg"qhhkekcn"tgegkxgt0"
"
*5+" Cp"crrnkecvkqp"wpfgt"uwdugevkqp"*4+"oc{"pqv"dg"ocfgÏ"
"
*c+" fwtkpi" vjg" rgtkqf" urgekhkgf" kp" ugevkqp" 484*5+*c+" fwtkpi" yjkej" vjg"
etgfkvqtuÓ"fgekukqp"ecp"dg"ejcnngpigf"d{"crrnkecvkqp"wpfgt"ugevkqp"484."
*d+" yjkng"cp"crrnkecvkqp"wpfgt"vjcv"ugevkqp"ku"rgpfkpi."qt"
*e+" yjkng" cp" crrgcn" kp" tgurgev" qh" cp" crrnkecvkqp" wpfgt" vjcv" ugevkqp" ku"
rgpfkpi"qt"oc{"dg"dtqwijv0"
"
*6+" Yjgtg" vjku" ugevkqp" crrnkgu" vjg" eqwtv" oc{" ikxg" uwej" fktgevkqpu" cdqwv" vjg"
eqpfwev"qh"vjg"dcpmtwrve{"cpf"vjg"cfokpkuvtcvkqp"qh"vjg"dcpmtwrvÓu"guvcvg"cu"
kv" vjkpmu" crrtqrtkcvg" hqt" hceknkvcvkpi" vjg" korngogpvcvkqp" qh" vjg" crrtqxgf"
xqnwpvct{"cttcpigogpv"
"
4:4" EqwtvÓu"rqygt"vq"cppwn"dcpmtwrve{"qtfgt"
*3+" Vjg" eqwtv" oc{" cppwn" c" dcpmtwrve{" qtfgt" kh" kv" cv" cp{" vkog" crrgctu" vq" vjg"
eqwtvÏ"
"
*c+" vjcv."qp"vjg"itqwpfu"gzkuvkpi"cv"vjg"vkog"vjg"qtfgt"ycu"ocfg."vjg"qtfgt"
qwijv"pqv"vq"jcxg"dggp"ocfg."qt"
*d+" vjcv."vq"vjg" gzvgpv"tgswktgf"d{" vjg"twngu."vjg" dcpmtwrve{"fgdvu"cpf"vjg"
gzrgpugu"qh" vjg" dcpmtwrve{" jcxg" cnn." ukpeg" vjg" ocmkpi" qh" vjg" qtfgt."
dggp"gkvjgt"rckf"qt"ugewtgf"hqt"vq"vjg"ucvkuhcevkqp"qh"vjg"eqwtv0"
"
*4+" Vjg"eqwtv" oc{" cppwn"c" dcpmtwrve{" qtfgt"ocfg" cickpuv" cp"kpfkxkfwcn" qp" c"
rgvkvkqp"wpfgt"rctcitcrj"*c+."È"q t"*e+"qh"ugevkqp"486*3+"qt" qp"c"dcpmtwrve{"
crrnkecvkqp"kh" kv" cv"cp{" vkog"crrgctu" vq" vjg"eqwtv." qp"cp" crrnkecvkqp"d{" vjg"
Qhhkekcn"RgvkvkqpgtÏ"
"
*c+" vjcv"vjg"rgvkvkqp"ycu"rgpfkpi"qt"vjg"crrnkecvkqp" ycu"qpiqkpi"cv"c"vkog"
yjgp"c"etkokpcn"dcpmtwrve{" qtfgt"ycu"ocfg"cickpuv" vjg"kpfkxkfwcn"qt"
ycu"rtgugpvgf"chvgt"uwej"cp"qtfgt"ycu"uq"ocfg."cpf"
"Application to Annul a Bankruptcy Order" :;"
"
*d+" pq"crrgcn"ku" rgpfkpi"*ykvjkp" vjg"ogcpkpi" qh"ugevkqp" 499+"cickpuv" vjg"
kpfkxkfwcnÓu"eqpxkevkqp"qh"cp{"qhhgpeg"d{"xktvwg"qh"yjkej"vjg"etkokpcn"
dcpmtwrve{"qtfgt"ycu"ocfg="
"
" cpf" vjg" eqwtv" ujcnn" cppwn" c" dcpmtwrve{" qtfgt" ocfg" qp" c" rgvkvkqp" wpfgt""
ugevkqp" 486*3+*f+" kh" kv" cv" cp{" vkog" crrgctu" vq" vjg" eqwtv" vjcv" vjg" etkokpcn"
dcpmtwrve{" qtfgt" qp" yjkej" vjg" rgvkvkqp" ycu" dcugf" jcu" dggp" tguekpfgf" kp"
eqpugswgpeg"qh"cp"crrgcn0"
*5+" Vjg"eqwtv" oc{" cppwn"c" dcpmtwrve{" qtfgt"yjgvjgt" qt" pqv" vjg"dcpmtwrv" jcu"
dggp"fkuejctigf"htqo"vjg"dcpmtwrve{0"
*6+" Yjgtg"vjg" eqwtv" cppwnu" c"dcpmtwrve{" qtfgt" *yjgvjgt" wpfgt"vjku" ugevkqp" qt"
wpfgt"ugevkqp"483"kp"Rctv"XKKK+Ï"
"
*c+" cp{"ucng"qt"qvjgt"fkurqukvkqp"qh"rtqrgtv{."rc{ogpv"ocfg"qt"qvjgt"vjkpi"
fwn{"fqpg."wpfgt"cp{"rtqxkukqp"kp" vjku"Itqwr"qh"Rctvu."d{"qt"wpfgt"vjg"
cwvjqtkv{"qh"vjg"qhhkekcn"tgegkxgt"qt"c"vtwuvgg"qh"vjg"dcpmtwrvÓu"guvcvg"qt"
d{"vjg"eqwtv"ku"xcnkf."dwv"
*d+" kh"cp{"qh"vjg"dcpmtwrvÓu"guvcvg"ku"vjgp"xguvgf."wpfgt"cp{"uwej"rtqxkukqp."
kp"uwej"c"vtwuvgg."kv" ujcnn"xguv"kp"uwej"rgtuqp" cu"vjg"eqwtv"oc{"crrqkpv"
qt."kp"fghcwnv"qh" cp{"uwej"crrqkpvogpv."tgxgtv" vq"vjg"dcpmtwrv"qp"uwej"
vgtou"*kh"cp{+"cu"vjg"eqwtv"oc{"fktgev="
"
" cpf"vjg"eqwtv"oc{"kpenwfg"kp"kvu"qtfgt"uwej"uwrrngogpvcn"rtqxkukqpu"cu"oc{"
dg"cwvjqtkugf"d{"vjg"twngu0"
*7+" 000"
Twngu"320354Î320363"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf""
Ycngu+"Twngu"4238"
Crrnkecvkqp"hqt"cppwnogpv"
3203540Ï*3+"Cp"crrnkecvkqp"vq"vjg"eqwtv"wpfgt" ugevkqp"4:4*3+"hqt"vjg"cppwnogpv"
qh"c"dcpmtwrve{"qtfgt"owuv"urgekh{"yjgvjgt"kv"ku"ocfgÏ""
"
*c+" wpfgt"uwdugevkqp" *3+*c+" *encko"vjcv" vjg" qtfgt"qwijv" pqv" vq"jcxg" dggp"
ocfg+="qt"
*d+" wpfgt"uwdugevkqp"*3+*d+"*fgdvu"cpf"gzrgpugu"qh"vjg"dcpmtwrve{"cnn"rckf"
qt"ugewtgf+0"
"
*4+" Vjg" crrnkecvkqp" owuv" dg" uwrrqtvgf" d{" c" ykvpguu" uvcvgogpv" uvcvkpi" vjg"
itqwpfu"qp"yjkej"kv"ku"ocfg0""
*5+" Yjgtg" vjg" crrnkecvkqp" ku" ocfg" wpfgt" ugevkqp" 4:4*3+*d+." vjg" ykvpguu"
uvcvgogpv"owuv"eqpvckp"cnn"vjg"hcevu"d{"tghgtgpeg"vq"yjkej."wpfgt"vjg"Cev"cpf"
vjgug"Twngu."vjg"eqwtv"oc{"dg"ucvkuhkgf"vjcv"vjg"eqpfkvkqp"kp"ugevkqp"4:4*3+*d+"
crrnkgu"dghqtg"cppwnnkpi"vjg"dcpmtwrve{"qtfgt0""
*6+" C"eqr{"qh"vjg"crrnkecvkqp"cpf"vjg"ykvpguu"uvcvgogpv"kp"uwrrqtv"owuv"dg"hkngf"
ykvj"vjg"eqwtv0""
*7+" Vjg" eqwtv" owuv" fgnkxgt" pqvkeg" qh" vjg" xgpwg" hkzgf" hqt" vjg" jgctkpi" vq""
vjg"crrnkecpv0""
;2" Personal Insolvency Practice"
"
*8+" Yjgtg"vjg" crrnkecvkqp" ku"ocfg" wpfgt" ugevkqp" 4:4*3+*c+"vjg" crrnkecpv"owuv"
fgnkxgt"pqvkeg"qh" vjg"xgpwg." ceeqorcpkgf"d{" eqrkgu"qh" vjg"crrnkecvkqp"cpf"
vjg" uwrrqtvkpi" ykvpguu" uvcvgogpv." vq" vjg" qhhkekcn" tgegkxgt." vjg" vtwuvgg" *kh"
fkhhgtgpv+."cpf"vjg"rgtuqp"qp"yjqug"rgvkvkqp"vjg"dcpmtwrve{"qtfgt"ycu"ocfg"
kp"uwhhkekgpv"vkog"vq"gpcdng"vjgo"vq"dg"rtgugpv"cv"vjg"jgctkpi0""
*9+" Yjgtg"vjg" crrnkecvkqp" ku"ocfg" wpfgt" ugevkqp"4:4*3+*d+" vjg" crrnkecpv"owuv"
fgnkxgt"pqvkeg"qh" vjg"xgpwg." ceeqorcpkgf"d{" eqrkgu"qh" vjg"crrnkecvkqp"cpf"
vjg"uwrrqtvkpi"ykvpguu"uvc vgogpv."vq"vjg"qhhkekcn" tgegkxgt"cpf"vjg"vtwuvgg" *kh"
fkhhgtgpv+"pqv"nguu"vjcp"4:"fc{u"dghqtg"vjg"jgctkpi0""
*:+" Yjgtg"vjg"crrnkecpv"ku"pqv"vjg"dcpmtwrv."cnn"pqvkegu."fqewogpvu"cpf"gxkfgpeg"
tgswktgf"d{" vjku"Ejcrvgt" vq" dg"fgnkxgtgf" vq" cpqvjgt"rctv{" d{" vjg"crrnkecpv"
owuv"cnuq"dg"fgnkxgtgf"vq"vjg"dcpmtwrv0""
"
Tgrqtv"d{"vtwuvgg"
3203550Ï*3+"Vjg" hqnnqykpi" crrnkgu" yjgtg" vjg" crrnkecvkqp" ku" ocfg" wpfgt""
ugevkqp"4:4*3+*d+"*fgdvu"cpf"gzrgpugu"qh"vjg"dcpmtwrve{"cnn"rckf"qt"ugewtgf+0""
*4+" Pqv"nguu"vjcp"43"fc{u"dghqtg"vjg"fcvg"hkzgf"hqt"vjg"jgctkpi."vjg"vtwuvgg"owuv"
hkng"ykvj"vjg"eqwtv"c"tgrqtv"tgncvkpi"vq"vjg"hqnnqykpi"ocvvgtuÏ""
"
*c+" vjg"ektewouvcpegu"ngcfkpi"vq"vjg"dcpmtwrve{="
*d+" c" uwooct{" qh" vjg" dcpmtwrvÓu" cuugvu" cpf" nkcdknkvkgu" cv" vjg" fcvg" qh" vjg"
dcpmtwrve{"qtfgt"cpf"cv"vjg"fcvg"qh"vjg"crrnkecvkqp="
*e+" fgvcknu"qh" cp{"etgfkvqtu" yjq"ctg" mpqyp"vq" vjg"vtwuvgg" vq"jcxg" enckou."
dwv"jcxg"pqv"rtqxgf="cpf"
*f+" uwej"qvjgt"ocvvgtu"cu"vjg" rgtuqp"ocmkpi"vjg"tgrqtv"eqpukfgtu"vq"dg."kp"
vjg"ektewouvcpegu."pgeguuct{"hqt"vjg"kphqtocvkqp"qh"vjg"eqwtv0"
"
*5+" Yjgtg" vjg" vtwuvgg" ku" qvjgt" vjcp" vjg" qhhkekcn" tgegkxgt." vjg" tgrqtv" owuv" cnuq"
kpenwfg"c"uvcvgogpv"qhÏ""
"
*c+" vjg"vtwuvggÓu"tgowpgtcvkqp="
*d+" vjg"dcuku"hkzgf"hqt"vjg"vtwuvggÓu"tgowpgtcvkqp"wpfgt"twng"3:038="cpf"
*e+" vjg"gzrgpugu"kpewttgf"d{"vjg"vtwuvgg0"
"
*6+" Vjg"tgrqtv"owuv" kpenwfg"rctvkewnctu"qh"vjg" gzvgpv"vq"yjkej."cpf"vjg"ocppgt"
kp" yjkej." vjg" fgdvu" cpf" gzrgpugu" qh" vjg" dcpmtwrve{" jcxg" dggp" rckf" qt"
ugewtgf0""
*7+" Kp"uq"hct" cu"fgdvu" cpf"gzrgpugu" ctg"wprckf" dwv"ugewtgf." vjg"rgtuqp"ocmkpi"
vjg"tgrqtv"owuv"uvcvg" kp"kv"yjgvjgt"cpf" vq"yjcv"gzvgpv"vjcv" rgtuqp"eqpukfgtu"
vjg"ugewtkv{"vq"dg"ucvkuhcevqt{0""
*8+" C"eqr{"qh"vjg"tgrqtv"owuv"dg"fgnkxgtgf"vq"vjg"crrnkecpv"cu"uqqp"cu"tgcuqpcdn{"
rtcevkecdng"chvgt"kv"ku"hkngf"ykvj"vjg"eqwtv"cpf"vjg"crrnkecpv"oc{"hkng"c"hwtvjgt"
ykvpguu"uvcvgogpv"kp"cpuygt"vq"uvcvgogpvu"ocfg"kp"vjg"tgrqtv0""
*9+" Eqrkgu"qh"cp{"uwej"ykvpguu"uvcvgogpv"owuv"dg"fgnkxgtgf"d{"vjg" crrnkecpv"vq"
vjg"qhhkekcn"tgegkxgt"cpf"vjg"vtwuvgg"*kh"fkhhgtgpv+0""
*:+" Kh"vjg"vtwuvgg"ku"qvjgt"vjcp"vjg"qhhkekcn"tgegkxgt."c"eqr{"qh"vjg"vtwuvggÓu"tgrqtv"
owuv"dg"fgnkxgtgf"vq"vjg"qhhkekcn"tgegkxgt"cv"ngcuv"43"fc{u"dghqtg"vjg"jgctkpi0""
"Application to Annul a Bankruptcy Order" ;3"
"
*;+" Vjg"qhhkekcn"tgegkxgt"oc{"vjgp"hkng"cp"cffkvkqpcn"tgrqtv."c"eqr {"qh "yj kej "ow uv"
dg"fgnkxgtgf"vq" vjg"crrnkecpv" cpf"vjg"vtwuvgg" *kh"pqv" vjg"qhhkekcn"tgegkxgt+" cv"
ngcuv"hkxg"dwukpguu"fc{u"dghqtg"vjg"jgctkpi0""
"
CrrnkecpvÓu"encko"vjcv"tgowpgtcvkqp"qt"gzrgpugu"ctg"gzeguukxg"
3203560Ï*3+"Yjgtg"vjg"vtwuvgg"ku"qvjgt"vjcp"vjg"qhhkekcn"tgegkxgt" cpf"crrnkecvkqp"
hqt"cppwnogpv"ku"ocfg"wpfgt"ugevkqp"4:4*3+*d+."vjg"crrnkecpv"oc{"cnuq"crrn{"
vq"vjg"eqwtv"hqt"qpg"qt"oqtg"qh"vjg"qtfgtu"kp"rctcitcrj"*6+"qp"vjg"itqwpf"vjcv"
vjg"tgowpgtcvkqp"ejctigf."qt"gzrgpugu"kpewttgf."d{"vjg"vtwuvgg"ctg"kp"cnn"vjg"
ektewouvcpegu"gzeguukxg0""
*4+" Crrnkecvkqp"hqt"uwej"cp"qtfgt"owuv"dg"ocfg"pq"ncvgt"vjcp"hkxg"dwukpguu"fc{u"
dghqtg"vjg"fcvg"hkzgf"hqt"vjg"jgctkpi"qh"vjg"crrnkecvkqp"hqt"cppwnogpv"cpf"dg"
ceeqorcpkgf" d{" c" eqr{" qh" cp{" gxkfgpeg" yjkej" vjg"crrnkecpv" kpvgpfu" vq"
rtqxkfg"kp"uwrrqtv0""
*5+" Vjg"crrnkecpv" owuv" fgnkxgt"c" eqr{" qh"vjg" crrnkecvkqp" cpf"qh" cp{"gxkfgpeg"
ceeqorcp{kpi"kv" vq" vjg"vtwuvgg" cu" uqqp" cu"tgcuqpcdn{" rtcevkecdng"chvgt" vjg"
crrnkecvkqp"ku"ocfg0""
*6+" Kh" vjg" eqwtv" cppwnu" vjg" dcpmtwrve{" qtfgt" wpfg t" ugevkqp" 4:4*3+*d+" cpf"
eqpukfgtu"vjg"crrnkecvkqp"vq"dg"ygnn/hqwpfgf."kv"owuv"cnuq"ocmg"qpg"qt"oqtg"
qh"vjg"hqnnqykpi"qtfgtuÏ""
"
*c+" cp"qtfgt" tgfwekpi"vjg" coqwpv"qh" tgowpgtcvkqp"yjkej" vjg"vtwuvgg" ycu"
gpvkvngf"vq"ejctig="
*d+" cp"qtfgt"vjcv" uqog"qt"cnn" qh"vjg"tgowpgtcvkqp" qt"gzrgpugu"kp" swguvkqp"
dg"vtgcvgf"cu"pqv"dgkpi"dcpmtwrve{"gzrgpugu="
*e+" cp"qtfgt"vjcv"vjg"vtwuvgg"qt"vjg"vtwuvggÓu"rgtuqpcn"tgrtgugpvcvkxg"rc{" vq"
vjg"crrnkecpv"vjg"coqwpv"qh"vjg"gzeguu"qh"tgowpgtcvkqp"qt"gzrgpugu"qt"
uwej"rctv"qh"vjg"gzeguu"cu"vjg"eqwtv"oc{"urgekh{="cpf"
*f+" cp{"qvjgt"qtfgt"vjcv"vjg"eqwtv"vjkpmu"lwuv0"
"
Rqygt"qh"eqwtv"vq"uvc{"rtqeggfkpiu"
3203570Ï*3+"Vjg"eqwtv"oc{."kp"cfxcpeg"qh"vjg"jgctkpi."ocmg"cp"qtfgt"uvc{kpi"cp{"
rtqeggfkpiu"yjkej"kv" vjkpmu"qwijv."kp" vjg"ektewouvcpegu"qh" vjg"crrnkecvkqp."
vq"dg"uvc{gf0""
*4+" Gzegrv"kp"tgncvkqp"vq"cp"crrnkecvkqp"hqt"cp"qtfgt"uvc{kpi"cnn"qt"cp{"rctv"qh"vjg"
rtqeggfkpiu"kp"vjg"dcpmtwrve{."crrnkecvkqp"hqt"cp"qtfgt"wpfgt"vjku"twng"oc{ "
dg"ocfg"ykvjqwv"pqvkeg"vq"cp{"qvjgt"rctv{0""
*5+" Yjgtg"cp"crrnkecvkqp"ku"ocfg"wpfgt"vjku"twng"hqt"cp"qtfgt"uvc{kpi"cnn"qt"cp{"
rctv"qh"vjg"rtqeggfkpiu"kp"vjg"dcpmtwrve{."vjg"crrnkecpv"owuv"fgnkxgt"eqrkgu"
qh"vjg" crrnkecvkqp" vq"vjg" qhhkekcn"tgegkxgt" cpf" vjg"vtwuvgg." kh" qvjgt"vjcp" vjg"
qhhkekcn"tgegkxgt."kp"uwhhkekgpv"vkog"vq"gpcdng"vjgo"vq"dg"rtgugpv"cv"vjg"jgctkpi"
cpf"ocmg"tgrtgugpvcvkqpu0""
*6+" Yjgtg"vjg"eqwtv"ocmgu"cp"qtfgt"wpfgt"vjku"twng"uvc{kpi"cnn"qt"cp{"rctv"qh"vjg "
rtqeggfkpiu" kp" vjg" dcpmtwrve{." vjg" twngu" kp" vjku" Ejcrvgt" pgxgtvjgnguu"
eqpvkpwg"vq"crrn{"vq"cp{"crrnkecvkqp"hqt."qt"qvjgt"ocvvgtu"kp"eqppgevkqp"ykvj."
vjg"cppwnogpv"qh"vjg"dcpmtwrve{"qtfgt0""
*7+" Kh"vjg"eqwtv"ocmgu"cp"qtfgt"wpfgt"vjku"twng."kv"owuv"fgnkxgt"eqrkgu"qh"vjg"qtfgt"
vq"vjg"crrnkecpv."vjg"qhhkekcn"tgegkxgt"cpf"vjg"vtwuvgg"*kh"fkhhgtgpv+0""
;4" Personal Insolvency Practice"
"
Pqvkeg"vq"etgfkvqtu"yjq"jcxg"pqv"rtqxgf"
3203580"Yjgtg"vjg"crrnkecvkqp"hqt"cppwnogpv"ku"ocfg"wpfgt"ugevkqp"4:4*3+*d+"cpf"
kv"jcu"dggp"tgrqtvgf"vq"vjg"eqwtv"wpfgt"twng"320355*4+*e+"vjcv"vjgtg"ctg"mpqyp"
etgfkvqtu"qh"vjg"dcpmtwrv"yjq"jcxg"pqv"rtqxgf."vjg"eqwtv"oc{Ï""
"
*c+" fktgev" vjg" vtwuvgg" qt." kh" pq" vtwuvgg" jcu" dggp" crrqkpvgf." vjg" qhhkekcn"
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cu" vjg" eqwtv" vjkpmu"qwijv" vq" dg" kphqtogf" qh" kv." ykvj" c" xkgy" vq" vjgkt"
rtqxkpi"hqt"vjgkt"fgdvu"ykvjkp"43"fc{u="
*d+" fktgev" vjg" vtwuvgg" qt." kh" pq" vtwuvgg" jcu" dggp" crrqkpvgf." vjg" qhhkekcn"
tgegkxgt"vq"cfxgtvkug"vjg"hcev"vjcv"vjg"crrnkecvkqp"jcu"dggp"ocfg."uq"vjcv"
etgfkvqtu"yjq"jcxg"pqv"rtqxgf"oc{"fq"uq"ykvjkp"c"urgekhkgf"vkog="cpf"
*e+" cflqwtp" vjg" crrnkecvkqp" ogcpyjkng." hqt" cp{" rgtkqf" pqv" nguu" vjcp""
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4:4"wpnguu"vjg"eqwtv"fktgevu"qvjgtykug0"
*4+" Vjg"qhhkekcn"tgegkxgt."kh"pqv"vjg"vtwuvgg."oc{"cvvgpf."dwv"ku"pqv"tgswktgf"vq"fq"
uq"wpnguu"vjg"qhhkekcn"tgegkxgt"jcu"hkngf"c"tgrqtv"wpfgt"twng"3203550"
*5+" Kh"vjg"eqwtv"ocmgu"cp"qtfgt"qp"vjg"crrnkecvkqp"qt"qp"cp"crrnkecvkqp"wpfgt""
twng"320356."kv"owuv"fgnkxgt" eqrkgu"qh"vjg"qtfgt" vq"vjg"crrnkecpv."vjg"qhhkekcn"
tgegkxgt"cpf"*kh"qvjgt+"vjg"vtwuvgg0"
*6+" Cp"qtfgt"qh"cppwnogpv"wpfgt"ugevkqp"4:4"owuv"eqpvckpÏ"
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*f+" vjg"fcvg" qh"vj g"hknkpi" qh"vjg" dcpmtwrve{" rgvkvkqp"qt" vjg" ocmkpi"qh" vjg"
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rgvkvkqp"qt" dcpmtwrve{"crrnkecvkqp" cu"c" rgpfkpi"cevkqp" ykvj"vjg"Ejkgh"
Ncpf"Tgikuvtct="
*h+" vjg" fcvg" cpf" tghgtgpeg" pwodgt" qh" vjg" tgikuvtcvkqp" qh" vjg" dcpmtwrve{"
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Ncpf"Tgikuvtct="
*i+" c"uvcvgogpv"vjcv"kv"crrgctu"vq"vjg"eqwtv"vjcvÏ"
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*k+" vjg"dcpmtwrve{"qtfgt"qwijv"pqv"vq"jcxg"dggp"ocfg."qt"
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"
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"
*k+" vjcv"vjg"dcpmtwrve{"qtfgt"urgekhkgf"kp"vjg"qtfgt"ku"cppwnngf."
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kp"vjg"qtfgt"dg"fkuokuugf."cpf"
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"
*kkk+" vjcv"vjg"tgikuvtcvkqp" qh"vjg"rgvkvkqp" qt"vjg"dcpmtwrve{" crrnkecvkqp"
cu" c" rgpfkpi" cevkqp" ykvj" vjg" Ejkgh" Ncpf"Tgikuvtct" cpf" qh" vjg"
dcpmtwrve{"qtfgt" ykvj"vjg" Ejkgh"Ncpf" Tgikuvtct"urgekhkgf" kp"vjg"
qtfgt"dg"xcecvgf"wrqp"crrnkecvkqp"ocfg"d{"vjg"dcpmtwrv="cpf"
"
*k+" vjg"fcvg"qh"vjg"qtfgt0"
"
*7+" Vjg"qtfgt"owuv"eqpvckp"c"pqvkeg"vq"vjg"dcpmtwrv"uvcvkpiÏ"
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*c+" ujqwnf"vjg"dcpmtwrv"tgswktg"pqvkeg"qh"vjg"qtfgt"vq"dg"ic¦gvvgf"cpf"vq"dg"
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vjg"dcpmtwrv"owuv"ykvjkp"4:"fc{u"fgnkxgt"pqvkeg"qh"vjcv"tgswktgogpv"vq"
vjg"qhhkekcn"tgegkxgt="cpf"
*d+" kv" ku" vjg" dcpmtwrvÓu" tgurqpukdknkv{" cpf" kp" vjg" dcpmtwrvÓu" kpvgtguv" vq"
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"
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"
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*d+" oc{"dg"vcmgp"kpvq"ceeqwpv"d{"vjg"eqwtv"qp"jgctkpi"uwej"cp"crrnkecvkqp0"
"
*4+" Uwdlgev"vq" vjg"hqnnqykpi" rctcitcrj."cnn" dcpmtwrve{"fgdvu" yjkej"jcxg"dggp"
rtqxgf"owuv"jcxg"dggpÏ"
"
*c+" rckf"kp"hwnn="qt"
*d+" ugewtgf"kp"hwnn"vq"vjg"ucvkuhcevkqp"qh"vjg"eqwtv0"
"
*5+" Kh"c"fgdv"ku"fkurwvgf."qt"c"etgfkvqt"yjq"jcu"rtqxgf"ecp"pq"nqpigt"dg"vtcegf."
vjg"dcpmtwrv"owuv"jcxg"ikxgp"uwej"ugewtkv{"*kp"vjg"hqto"qh"oqpg{"rckf"kpvq"
eqwtv."qt"c"dqpf" gpvgtgf"kpvq"ykvj"crrtqxgf" uwtgvkgu+"cu"vjg" eqwtv"eqpukfgtu"
cfgswcvg"vq"ucvkuh{" cp{"uwo" vjcv"oc{"uwdugswgpvn{" dg"rtqxgf" vq"dg"fwg" vq"
vjg"etgfkvqt"eqpegtpgf"cpf"*kh"vjg"eqwtv"vjkpmu"lwuv+"equvu0"
*6+" Yjgtg"uwej"ugewtkv{"jcu"dggp"ikxgp"kp" vjg"ecug"qh"cp"wpvtcegf"etgfkvqt."vjg"
eqwtv"oc{" f ktgev" vjcv" rctvkewnctu" qh" vjg" cnngigf" fgdv." cpf" vjg"ugewtkv{." dg"
cfxgtvkugf"kp"uwej"ocppgt"cu"kv"vjkpmu"lwuv0"
*7+" Kh"vjg"eqwtv"fktgevu"uwej"cfxgtvkugogpv"cpf"pq"encko"qp"vjg"ugewtkv{"ku"ocfg"
ykvjkp" 34" oqpvju" htqo" vjg" fcvg" qh" vjg" cfxgtvkugogpv" *qt" vjg" hktuv"
cfxgtvkugogpv."kh"oqtg" vjcp"qpg+." vjg"eqwtv"owuv." qp"crrnkecvkqp."qtfgt" vjg"
ugewtkv{"vq"dg"tgngcugf0"
*8+" Kp"fgvgtokpkpi"yjgvjgt"vq"cppwn"c"dcpmtwrve{"qtfgt"wpfgt"ugevkqp"4:4*3+*d+."
vjg"eqwtv"oc{."kh"kv" vjkpmu"lwuv"cpf"ykvjqwv" rtglwfkeg"vq"vjg"igpgtcnkv{"qh" kvu"
;6" Personal Insolvency Practice"
"
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dggp" rckf" qt" rc{ogpv" qh" cp{" uwou" jcu" dggp" ugewtgf" kp"t gurgev"qh"rquv/
eqoogpegogpv"kpvgtguv"qp"vjg"dcpmtwrve{"fgdvu"yjkej"jcxg"dggp"rtqxgf0"
*9+" Hqt"vjg"rwtrqugu"qh"rctcitcrju"*4+"cpf"*8+."ugewtkv{"kpenwfgu"cp"wpfgtvcmkpi"
ikxgp"d{"c"uqnkekvqt"cpf"ceegrvgf"d{"vjg"eqwtv0"
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kpvgtguv"qp" vjg" dcpmtwrve{" fgdvu" cv" vjg"tcvg" urgekhkgf" kp" ugevkqp" 54:*7+"kp"
tgncvkqp"vq"rgtkqfu"fwtkpi"yjkej"vjqug"fgdvu"jcxg"dggp"qwvuvcpfkpi"ukpeg"vjg"
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"
Pqvkeg"vq"etgfkvqtu"
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dcpmtwrve{"vq"vjg"etgfkvqtu"cpf"vjg"dcpmtwrve{"qtfgt"ku"cppwnngf."vjg"qhhkekcn"
tgegkxgt" owuv" cu" uqqp" cu" tgcuqpcdn{" rtcevkecdng" fgnkxgt" pqvkeg" qh" vjg"
cppwnogpv"vq"vjgo0"
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hqtogt"dcpmtwrv." vjg"qhhkekcn" tgegkxgtÓu" ejctig"ku" uwdlgev" vq"cp{"equvu"vjcv"
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vjg"rtqrgtv{"hqt"vjg"rwtrqug"qh"ucvkuh{kpi"vjg"ejctig0"
"
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*4+" Cu"uqqp"cu"tgcuqpcdn{"rtcevkecdng"vjg"pqvkeg"owuv"dgÏ"
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*c+" ic¦gvvgf="cpf"
*d+" cfxgtvkugf" kp" vjg" ucog" ocppgt" cu" vjg" dcpmtwrve{" qtfgt" vq" yjkej" kv"
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cppwnngf"wpfgt"ugevkqp"4:4*3+="cpf"
*f+" vjg"fcvg"qh"vjg"cppwnogpv0"
"
*6+" Yjgtg"vjg"hqtogt"dcpmtwrvÏ"
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*c+" jcu"fkgf="qt"
*d+" ku"c"rgtuqp"ncemkpi"ecrcekv{"vq"ocpcig"vjg"rgtuqpÓu"qyp"chhcktu"*ykvjkp"
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"
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*4+" Vjg"vtwuvgg"owuv"fgnkxgt"c"eqr{"qh"vjg"vtwuvggÓu"hkpcn"ceeqwpv"vq"v jg"Ug etg vct{ "
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*5+" Vjg"vtwuvgg"owuv"hkng"c"eqr{"qh"vjg"hkpcn"ceeqwpv"ykvj"vjg"eqwtv0"
*6+" Vjg" hkpcn" ceeqwpv" owuv" kpenwfg" c" uwooct{" qh" vjg" vtwuvggÓu" tgegkrvu" cpf"
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vtwuvgg"jcu"tgeqpekngf" vjg"ceeqwpv"ykvj" vjcv"yjkej" ku"jgnf"d{" vjg"Ugetgvct{"
qh"Uvcvg"kp"tgurgev"qh"vjg"dcpmtwrve{0"
*7+" Vjg"vtwuvgg"ku" tgngcugf"htqo" uwej"vkog"cu" vjg"eqwtv" oc{"fgvgtokpg."jcxkpi"
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*c+" vjg"vtwuvgg"jcu"fgnkxgtgf"vjg"hkpcn"ceeqwpvu"wpfgt"rctcitcrj"*4+="cpf"
*d+" cp{"ugewtkv{"ikxgp"wpfgt"twng"32035:"jcu"dggp."qt"yknn"dg."tgngcugf0"
"
"
""
;8" Personal Insolvency Practice"
"
803" CRRNKECVKQP"HQT"CPPWNOGPV"WPFGT"
UGEVKQP"4:4*3+*D+"QH"VJG"KPUQNXGPE[""
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"
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"
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"
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CEV"3;:8"
324" Personal Insolvency Practice"
"
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