Toolkit

Document Cited in Related
AuthorMark Watson-Gandy
Pages365-435
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KUUWKPI"RTQEGGFKPIU"KP"VJG"TQ[CN"EQWTVU""
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ujqwnf"dg"urnkv"wukpi"vjg"ÒcffÓ"dwvvqp."cnvjqwij"kv"yqwnf"dg"ykug"vq"cngtv"vjg"eqwtv"
qh"vjku"d{"wukpi"vjg"ÒeqoogpvuÓ"dqz+0""
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Hggu"ecp"dg"rckf"d{"etgfkv"ectf"qt"Rc{ogpv"d{"Ceeqwpv"*RDC+0"Kphqtocvkqp"cdqwv""
eqwtv" hggu" ecp" dg" hqwpf" cv" jvvr<11joevuhqtohkpfgt0lwuvkeg0iqx0wm1JOEVU1"
IgvNgchngv0fqAeqwtvangchngvuakf?4860"" Vjg" Qhhkekcn" Tgegkxgt" fgrqukv" qh" ˚3.722"
ecppqv"dg"rckf"xkc"vjg"rqtvcn"cpf"vjgtghqtg"vjg"fgrqukv"hqt"vjg"dcpmtwrve{"rgvkvkqp"
yknn"pggf"vq"dg"rckf"d{"c"ugrctcvg"ejgswg0"
"
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588" Personal Insolvency Practice"
"
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uvcvkpi"vjcv"vjg"hknkpi"ku"wtigpv0"
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Kphqtocvkqp" qp" Rc{ogpv" d{" Ceeqwpv" *RDC+" ecp" dg" hqwpf" kp" vjg" ngchngv""
Fee Account – the Easy Way to Pay Fees." cv" jvvr<11joevuhqtohkpfgt0lwuvkeg0"
iqx0wm1JOEVU1IgvNgchngv0fqAeqwtvangchngvuakf?69:20"Vjg" crrnkecvkqp"hqto" vq"
qrgp" {qwt" qyp" RDC" oc{" dg" fqypnqcfgf" htqo" jvvr<11joevuhqtohkpfgt0"
lwuvkeg0iqx0wm1JOEVU1IgvNgchngv0fqAeqwtvangchngvuakf?69:20""
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Vjg"eqpvcev"pwodgt"hqt"swgtkgu"tgictfkpi"qpnkpg"hknkpi"ku"2522"545"23;70"
EQWPV["EQWTV"QT"JKIJ"EQWTVA"
Rgvkvkqpu" ecp" dg" rtgugpvgf" kp" vjg" Dcpmtwrve{" Tgikuvt{=" vjg" Tq{cn" Eqwtvu" qh"
Lwuvkeg."9"Tqnnu"Dwknfkpiu."Hgvvgt"Ncpg." Nqpfqp"GE6C"3PN="c"Ejcpegt{"Fkuvtkev"
Tgikuvt{="qt"cv"c"eqwpv{"eqwtv0"
"
Yjgtg" vjg" rtqeggfkpiu" ctg" cnnqecvgf" vq" vjg" Nqpfqp" Kpuqnxgpe{" Fkuvtkev.3"vjg"
etgfkvqt"owuv" rtgugpv" vjg" rgvkvkqp" vq" vjg" Jkij" Eqwtv" yjgtg" vjg" rgvkvkqp" fgdv" ku"
˚72.222"qt"oqtg"cpf"vjg"Egpvtcn"Nqpfqp"Eqwpv{"Eqwtv"kh"vjg"rgvkvkqp"fgdv"ku"wpfgt"
˚72.22204" Eqphwukpin{." vjg" Egpvtcn" Nqpfqp" Eqwpv{" Eqwtv" hqt" dcpmtwrve{" ku"
ukvwcvgf"cv" vjg" Tq{cn"Eqwtvu" qh"Lw uvkeg."Uvtcpf." Nqpfqp"qp" vjg" 3uv"Hnqqt" qh"vjg"
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Yjgtg"vjg"fgdvqt" ku"tgukfgpv"kp" Gpincpf"cpf"Ycngu"cpf" vjg"rtqeggfkpiu"ctg"pqv"
cnnqecvgf"vq"vjg"Nqpfqp"Kpuqnxgpe{"Fkuvtkev."vjg"etgfkvqt"owuv"rtgugpv"vjg"rgvkvkqp"
vq"vjg"fgdvqtÓu"qyp"eqwpv{"eqwtv0"
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Vjg"fgdvqtÓu"qyp"eqwpv{"eqwtv"ku
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"yjgtg"vjg"fgdvqt"jcu"ecttkgf"qp"dwukpguu"kp"Gpincpf"cpf"Ycngu"ykvjkp"vjg"
8" oqpvju" koogfkcvgn{" rtgegfkpi" vjg" rtgugpvcvkqp" qh" vjg" rgvkvkqp." vjg"
eqwpv{"eqwtv"hqt"vjg"kpuqnxgpe{"fkuvtkev"yjgtg"hqt"vjg"nqpiguv"rgtkqf"fwtkpi"
vjqug"8"oqpvju
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Î"vjg"fgdvqt"ecttkgf"qp"dwukpguu."qt"
Î"vjg"rtkpekrcn"rnceg"qh"dwukpguu"ycu"nqecvgf."kh"dwukpguu"ycu" ecttkgf"qp"
kp"oqtg"vjcp"qpg"kpuqnxgpe{"fkuvtkev="qt"
"
"yjgtg"vjg"fgdvqt"jcu"pqv"ecttkgf"qp"dwukpguu"kp"Gpincpf"cpf"Ycngu"ykvjkp"
vjg"8" oqpvju"koogfkcvgn{"rtgegfkpi" vjg"rtgugpvcvkqp"qh" vjg"rgvkvkqp."vjg"
eqwpv{"eqwtv" hqt"vjg" kpuqnxgpe{"fkuvtkev" yjgtg"vjg" fgdvqt"tgukfgf" hqt"vjg"
nqpiguv"rgtkqf"fwtkpi"vjqug"8"oqpvju0"
"
"
3" Twng"3407"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
4" Twng"32033"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
"Toolkit" 589"
"
Kh"vjg"fgdvqt"ku"pqv"tgukfgpv"kp" Gpincpf"cpf"Ycngu"dwv"ycu"tgukfgpv"qt"ecttkgf"qp"
dwukpguu"kp"Gpincpf" cpf"Ycngu" ykvjkp"vjg"8" oqpvju"koogfkcvgn{"rtgegfkpi" vjg"
rtgugpvcvkqp"qh"vjg" rgvkvkqp"cpf"vjg"rtqeggfkpiu" ctg"pqv"cnnqecvgf" vq"vjg"Nqpfqp"
Kpuqnxgpe{" Fkuvtkev." vjg" rgvkvkqp" oc{" dg" rtgugpvgf" gkvjgt" vq" vjg" fgdvqtÓu" qyp"
eqwpv{"eqwtv"qt"vq"vjg"Jkij"Eqwtv0"
"
Vjg"eqwpv{"eqwtv"oc{"cnuq"vtcpuhgt" rtqeggfkpiu"vq"vjg"Jkij"Eqwtv"igpgtcnn{"lwuv"
cu"vjg"Jkij"Eqwtv"ukoknctn{"jcu"rqygt"vq"vtcpuhgt"rtqeggfkpiu"vq"vjg"eqwpv{"eqwtv05"
KPUQNXGPE["CPF"EQORCPKGU"EQWTV"LWFIG"QT"
JKIJ"EQWTV"LWFIGA"
Oquv"crrnkecvkqpu" ujqwnf"dg" eqoogpegf" dghqtg"cp" Kpuqnxgpe{"cpf" Eqorcpkgu"
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Eqwtv"Lwfig0"Jqygxgt."vjg"hqnnqykpi"crrnkecvkqpu"owuv"dg"ocfg"fktgev"vq"c"Jkij"
Eqwtv"Lwfig"cpf."wpnguu"qvjgtykug"qtfgtgf."ujcnn"dg"jgctf"kp"rwdnke<6"
"
"crrnkecvkqpu"vq"eqookv"cp{"rgtuqp"vq"rtkuqp"hqt"eqpvgorv="
"crrnkecvkqpu" hqt" wtigpv" kpvgtko" tgnkgh" *g0i0" crrnkecvkqpu" hqt" xcnkfcvkqp"
qtfgtu"dghqtg"c"dcpmtwrve{"qtfgt"ku"ocfg+="
"crrgcnu"htqo"c"fgekukqp"ocfg"d{"c"fkuvtkev"lwfig"kp"c"eqwpv{"eqwtv"qt"d{"cp"
Kpuqnxgpe{"cpf"Eqorcpkgu"Eqwtv"Lwfig"qh"vjg"Jkij"Eqwtv0"
WTIGPV"CRRNKECVKQPU"
Cp"Kpuqnxgpe{" cpf"Eqorcpkgu"Eqwtv" Lwfig"ku" cxckncdng"cv"4" ro"gcej" Vjwtufc{"
cpf"Htkfc{" cpf" gxgt{"qvjgt" Oqpfc{"fwt kpi"vgto" vq"jgct" wtigpv" crrnkecvkqpu"qt"
vkog/etkvkecn"crrnkecvkqpu07"Rctvkgu"uggmkpi"vq"nkuv"cp"wtigpv"dcpmtwrve{"crrnkecvkqp"
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wtigpe{"qh"vjg"crrnkecvkqp"*ugg"4604"hqt"c"rtgegfgpv+0"
GXKFGPEG"
Gxkfgpeg"kp"kpuqnxgpe{"rtqeggfkpiu"oc{"dg"ikxgp"d{"ykvpguu"uvcvgogpv08"
"
Vjg"Qhhkekcn"Tgegkxgt"qt"c"fgrwv{"Qhhkekcn"Tgegkxgt"oc{"hkng"jku"gxkfgpeg"d{"yc{"
qh"c"tgrqtv0
9"Vjgtg" ku" c"ukoknct" gzegrvkqp" vq"cnnqy" cp" cfokpkuvtcvqt."nkswkfcvqt."
vtwuvgg"kp"dcpmtwrve{."rtqxkukqpcn"nkswkfcvqt"qt"kpvgtko"tgegkxgt."c"urgekcn"ocpcigt"
qt"cp" kpuqnxgpe{"rtcevkvkqpgt" crrqkpvgf" wpfgt"ugevkqp" 495*4+"qh" vjg"Kpuqnxgpe{"
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5" Twng"34052"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
6" Rtcevkeg"Pqvg"Î"Vjg"Jgctkpi"qh"Kpuqnxgpe{"Rtqeggfkpiu."45"Oc{"4227"]4227̲"DEE"6780"
7" Rctcitcrj"43066"qh"vjg"Ejcpegt{"Iwkfg"42440"
8" Twng"3404:*3+"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
9" Twng"3404;*4+"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
58:" Personal Insolvency Practice"
"
Cev"3;:8" vq" cnuq"hkng" vjgkt"gxkfgpeg" d{" yc{"qh" c"tgrqtv0" Jqygxgt."vjku" tkijv"ku"
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vjcv"vjg"ykvpguu" ujqwnf"cvvgpf"hqt" etquu"gzcokpcvkqp"cv" vjg"jgctkpi"cpf"cp" qtfgt"
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rgtokuukqp"qh"vjg"eqwtv0;"
DWPFNGU"
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ucpevkqpu032"
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ykvpguu"uvcvgogpvu"ujqwnf"jcxg"ytkvvgp"qp"vjgo"vjg"rcig"hqt"vjcv"fqewogpv"
kp"vjg"dwpfng"kp"ocpwuetkrv="gzjkdkvu"ujqwnf"crrgct"ugrctcvgn{="dcem"ujggvu"
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"vjg"eqttgurqpfgpeg"*vjg"kpvgt/uqnkekvqt"eqttgurqpfgpeg"ujqwnf"dg"kpenwfgf"
qpn{"kh"cpf" vq"vjg"gzvgpv"kv" ku"uvtkevn{"pgeguuct{" cpf"ujqwnf"dg"rncegf" kp"c"
ugrctcvg"dwpfng+0"
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oquv"htgswgpvn{0"Vjku"ujqwnf"dg"rtqxkfgf"kp"dqvj"gngevtqpke"cpf"jctf"eqr{0"
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Kv"ku" qh"rctcoqwpv" korqtvcpeg"vjcv" vjg"rtgrctcvkqp" qh"dwpfngu" ku"eqoogpegf" kp"
iqqf"vkog0"C" eqooqp"okuvcmg"d{"uqnkekvqtu" ku"vq"hckn" vq"cnnqy"uwhhkekgpv" vkog"vq"
dgikp"vjg"rtgrctcvkqp"qh"vjg"dwpfngu dwpfngu"vq"dg"citggf"ykvj"vjg"
qvjgt"rctvkgu="hqt"vjg" etquu/tghgtgpekpi"vq"vjg"dwpfngu"kp"tgurgev" qh"cp{"gxkfgpeg"
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"
:" Twng"3404:*3+*d+"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
;" Twng"3404:*5+Î*6+"qh"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"42380"
32" Crrgpfkz"Z."rctcitcrj"5"qh"vjg"Ejcpegt{"Iwkfg"42440"
"Toolkit" 58;"
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vjg"jgctkpi034"
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vjg"yqtfu."ÒHqt"jgctkpi"qp"]fcvg̲"dghqtg"]Kpuqnxgpe{"cpf"eqorcpkgu"eqwtv"lwfig1"
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crrnkecdng0"
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ctg"cnuq"wughwn+
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fqewogpv="
"fqewogpvu"kp"ocpwuetkrv."qt"pqv"gcukn{"ngikdng."ujqwnf"dg"vtcpuetkdgf=" vjg"
vtcpuetkrvkqp" ujqwnf" dg" octmgf" cpf" rncegf" cflcegpv" vq" vjg" fqewogpv"
vtcpuetkdgf="
"fqewogpvu" kp" c" hqtgkip" ncpiwcig" ujqwnf" dg" vtcpuncvgf" *vjg" vtcpuncvkqp"
ujqwnf" dg" octmgf" cpf" rncegf" cflcegpv" vq" vjg"fqewogpv" vtcpuncvgf." vjg"
vtcpuncvkqp" ujqwnf" dg" citggf" qt." kh" kv" ecppqv" dg" citggf." gcej" rctv{Óu"
rtqrqugf"vtcpuncvkqp"ujqwnf"dg"kpenwfgf+="
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"
33" Rctcitcrj"34063"qh"vjg"Ejcpegt{"Iwkfg"42440"
34" Rctcitcrj"36095"qh"vjg"Ejcpegt{"Iwkfg"42440"
35" Kh"vjg"ucog"fqewogpv"ku"kpenwfgf"kp"vjg"ejtqpqnqikecn"dwpfngu"cpf"ku"cnuq"cp"gzjkdkv"vq"cp"chhkfcxkv"
qt" ykvpguu" uvcvgogpv." kv" ujqwnf" dg" kpenwfgf" kp" vjg" ejtqpqnqikecn" dwpfng"cpf" yjgtg" kv" yqwnf"
qvjgtykug"crrgct"cu"cp"gzjkdkv"c"ujggv"ujqwnf"kpuvgcf"dg"kpugtvgf0"Vjku"ujggv"ujqwnf"uvcvg"vjg"rcig"
cpf"dwpfng"pwodgt"kp"vjg"ejtqpqnqikecn"dwpfngu"yjgtg"vjg"fqewogpv"ecp"dg"hqwpf0"
592" Personal Insolvency Practice"
"
VKOG"GUVKOCVGU"
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tgcfkpi"vjg"fqewogpvu"cpf"hqt"lwfiogpv."vqigvjgt"ykvj"vjg"uwooct{"cuuguuogpv"
qh"equvu"cpf"cp{"crrnkecvkqp"hqt"rgtokuukqp"vq"crrgcn0"Vjg"rctvkgu"owuv"kphqto"vjg"
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Hcknwtg"vq"ikxg"cp"ceewtcvg"vkog"guvkocvg"oc{"tguwnv"kp"vjg"jgctkpi"dgkpi"cflqwtpgf"
cpf"vjg"rctv{"cv"hcwnv"qtfgtgf"vq"rc{"vjg"equvu"vjtqyp"cyc{0"
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qt"hktuv"fcvg"qp"yjkej"vjg"crrnkecvkqp"qt"vtkcn"ku"fwg"vq"eqog"qp"hqt"jgctkpi"
qt"3"fc{"dghqtg"vjg"lwfig"ku"fwg"vq"eqoogpeg"rtg/tgcfkpi=37"
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"
Gzeguukxg" ekvcvkqp" qh" ngicn" cwvjqtkv{" ujqwnf" dg" cxqkfgf." cpf" ectg" ujqwnf" dg""
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"
36" Crrgpfkz"["qh"vjg"Ejcpegt{"Iwkfg"42440"
37" Rctcitcrj"34072"qh"vjg"Ejcpegt{"Iwkfg"42440"
38" Rctcitcrj"36064"qh"vjg"Ejcpegt{"Iwkfg"42440"
39" Rctcitcrj"3407;"qh"vjg"Ejcpegt{"Iwkfg"42440"
3:" Rtcevkeg"Fktgevkqp"*Ekvcvkqp"qh" Cwvjqtkvkgu+"]4234̲"3"Y NT"9:2="Rtcevkeg"Fktgevkqp"*Lwfiogpvu
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"
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Vjg"Tq{cn"Eqwtvu"qh"Lwuvkeg"
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EQWTV"FTGUU"
Cfxqecvgu"ctg"gzrgevgf"vq"tqdg"hqt"crrgcnu"cpf"eqpvgorv"jgctkpiu"*qt"cp{"jgctkpi"
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General fees: High Court and county court Fee
Igpgtcn"crrnkecvkqp"*qp"pqvkeg+" ˚377"
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Rgvkvkqp"hqt"dcpmtwrve{"*rtgugpvgf"d{"fgdvqt+" ˚3:2"
Rgvkvkqp"hqt"dcpmtwrve{"*rtgugpvgf"d{"etgfkvqt1qvjgt"rgtuqp+" ˚524"
Cp{"qvjgt"rgvkvkqp" ˚524"
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Eqr{"qh"c"egtvkhkecvg"qh"fkuejctig"htqo"dcpmtwrve{" ˚33"
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594" Personal Insolvency Practice"
"
Bankruptcy/Insolvency (continued)
Crrnkecvkqp"ykvjkp"rtqeggfkpiu"*d{"eqpugpv1ykvjqwv"pqvkeg+" ˚48"
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MG["OCVGTKCNU"
Twngu"307."308."3057."32033"cpf"3407"qh"vjg"Kpuqnxgpe{"*Gpincpf"
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tgekrkgpv"jcu"pq"tgcuqp"vq"fqwdv"vjg"vtwvj"qh"vjcv"uvcvgogpv0"
"
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*5+" Kh"c" fqewogpv"ku"cwvjgpvkecvgf" d{"vjg" ukipcvwtg"qh"cp" kpfkxkfwcn"qp" dgjcnh"
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rtqxkfg"eqpvcev" fgvcknu"hqt" cp"qhhkeg/jqnfgt." vjg"kphqtocvkqp"ugv" qwv"dgnqy"
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pgeguuct{"cfcrvcvkqpu0"
"
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ku"vjg"uwdlgev"qh"vjg"
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*f+" hqt"c"eqorcp{"kpeqtrqtcvgf"kp"Gpincpf"cpf"Ycngu"wpfgt"
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*g+" hqt"c"eqorcp{"kpeqtrqtcvgf"qwvukfg"vjg"Wpkvgf"
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cpf"
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cp"qxgtugcu"eqorcp{"wpfgt"Rctv"56"qh"vjg"
Eqorcpkgu"Cev0"
Kp"vjg"ecug"qh"cp"wptgikuvgtgf"eqorcp{Ï"
*h+" kvu"pcog="cpf"
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vjcp"qpg"yjkej"ku"
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Eqorcpkgu"Cev."kvu"tgikuvgtgf"pwodgt="
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cpf"
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*n+" Kp"vjg"ecug"qh"cp"wptgikuvgtgf"eqorcp{Ï"
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*p+" tgukfgpvkcn"cfftguu"*uwdlgev"vq"cp{"qtfgt"hqt"nkokvgf"
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*r+" vjg"pcvwtg"qh"vjg"crrqkpvogpv"jgnf"d{"vjg"qhhkeg/jqnfgt0"
Eqpvcev"fgvcknu"hqt"
cp"qhhkeg/jqnfgt"
*s+" c"rquvcn"cfftguu"hqt"vjg"qhhkeg/jqnfgt="cpf"
*t+" gkvjgt"cp"gockn"cfftguu."qt"c"vgngrjqpg"pwodgt."vjtqwij"
yjkej"vjg"qhhkeg/jqnfgt"oc{"dg"eqpvcevgf0"
596" Personal Insolvency Practice"
"
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*w+" vjg"hwnn"pcog"qh"vjg"eqwtv"qt"jgctkpi"egpvtg"kp"yjkej"vjg"
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dg"hkngf="cpf."kh"crrnkecdng."
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"
Uvcpfctf"eqpvgpvu"cpf"cwvjgpvkecvkqp"qh"crrnkecvkqpu"vq"vjg"eqwtv"wpfgt"
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"
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*i+" vjg"pcvwtg"qh" vjg"tgogf{"qt"qtfgt" crrnkgf"hqt"qt" vjg"fktgevkqpu"uqwijv"
htqo"vjg"eqwtv="
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*l+" vjg"crrnkecpvÓu"cfftguu"hqt"ugtxkeg0"
"
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crrnkecpvÓu"uqnkekvqt0""
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"Toolkit" 597"
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Jkij"Eqwtv0""
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*6+" Vjg"fgdvqtÓu"qyp"jgctkpi"egpvtg"kuÏ""
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*c+" yjgtg"vjg"fgdvqt"jcu"ecttkgf"qp"dwukpguu"kp"Gpincpf"cpf"Ycngu"ykvjkp"
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vjg" jgctkpi" egpvtg" hqt" vjg" kpuqnxgpe{" fkuvtkev"yjgtg" hqt" vjg" nqpiguv"
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*k+" vjg"fgdvqt"ecttkgf"qp"dwukpguu."qt""
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"
*d+" yjgtg"vjg" fgdvqt" jcu" pqv" ecttkgf" qp" dwukpguu" kp" Gpincpf" cpf" Ycngu"
ykvjkp"vjg" ukz"oqpvju" koogfkcvgn{" rtgegfkpi"vjg" rtgugpvcvkqp"qh"vjg"
rgvkvkqp."vjg"jgctkpi"egpvtg"hqt"vjg"kpuqnxgpe{"fkuvtkev"yjgtg"vjg"fgdvqt"
tgukfgf"hqt"vjg"nqpiguv"rgtkqf"fwtkpi"vjqug"ukz"oqpvju0""
"
*7+" Kh"vjg"fgdvqt"ku"pqv"tgukfgpv"kp"Gpincpf"cpf"Ycngu"dwv"ycu"tgukfgpv"qt"ecttkgf"
qp" dwukpguu" kp" Gpincpf" cpf" Ycngu" ykvjkp" vjg" ukz" oqpvju" koogfkcvgn{"
rtgegfkpi" vjg" rtgugpvcvkqp" qh" vjg" rgvkvkqp" cpf" vjg" rtqeggfkpiu" ctg" pqv"
cnnqecvgf"vq"vjg" Nqpfqp"Kpuqnxgpe{"Fkuvtkev." vjg"rgvkvkqp"oc{" dg"rtgugpvgf"
gkvjgt"vq"vjg"fgdvqtÓu"qyp"jgctkpi"egpvtg"qt"vq"vjg"Jkij"Eqwtv0""
*8+" Wpnguu"rctcitcrj"*4+"crrnkgu."yjgtg"vq"vjg"rgvkvkqpgtÓu"mpqyngfig"vjgtg"ku"kp"
hqteg"hqt" vjg"fgdvqt" cp" KXC"wpfgt" Rctv":" qh"vjg" Cev."vjg" rgvkvkqp" owuv"dg"
rtgugpvgf"vq"vjg"eqwtv"qt"jgctkpi"egpvtgÏ""
"
*c+" vq"yjkej"vjg"pqokpggÓu"tgrqtv"wpfgt"ugevkqp"478"ycu"uwdokvvgf=""
*d+" vq"yjkej"cp" crrnkecvkqp"jcu"dggp"ocfg." yjgtg"c"pqokpgg"jcu" ocfg"c"
tgrqtv"wpfgt"ugevkqp"478C*5+="qt""
*e+" cu"fgvgtokpgf"wpfgt"rctcitcrju"*3+"vq"*7+"kp"cp{"qvjgt"ecug0""
"
*9+" Vjg" rgvkvkqp" owuv" eqpvckp" uwhhkekgpv" kphqtocvkqp" vq" guvcdnkuj" vjcv" kv" ku"
rtgugpvgf"kp"vjg"crrtqrtkcvg"eqwtv"cpf."yjgtg"vjg"eqwtv"ku"vjg"Eqwpv{"Eqwtv."
vjg"crrtqrtkcvg"jgctkpi"egpvtg0""
"
Cnnqecvkqp"qh"rtqeggfkpiu"vq"vjg"Nqpfqp"Kpuqnxgpe{"Fkuvtkev"
34070" Vjg" hqnnqykpi" rtqeggfkpiu" ctg" cnnqecvgf" vq" vjg" Nqpfqp" Kpuqnxgpe{"
FkuvtkevÏ""
"
*c+" dcpmtwrve{"rgvkvkqpu" qt"crrnkecvkqpu" kp" tgncvkqp"vq" c"fgdv" tgnkgh"qtfgt"
wpfgt"ugevkqp"473O" *rqygtu"qh"eqwtv"kp" tgncvkqp"vq"fgdv"tgnkgh" qtfgtu+"
qt"473P"*kpswkt{"kpvq"fgdvqtÓu"fgcnkpiu"cpf"rtqrgtv{+"yjgtgÏ""
"
598" Personal Insolvency Practice"
"
*k+" vjg" fgdvqt" ku" tgukfgpv" kp" Gpincpf" cpf" Ycngu" cpf" ykvjkp" vjg""
ukz"oqpvju"koogfkcvgn{"rtgegfkpi"vjg"rtgugpvcvkqp"qh"vjg"rgvkvkqp"
qt"vjg" ocmkpi"qh" vjg" crrnkecvkqp"vjg" fgdvqt"ecttkgf" qp"dwukpguu"
ykvjkp"vjg"ctgc"qh"vjg"Nqpfqp"Kpuqnxgpe{"FkuvtkevÏ""
"
*cc+" hqt"vjg"itgcvgt"rctv"qh"vjqug"ukz"oqpvju."qt""
*dd+" hqt"c"nqpigt" rgtkqf"kp"vjqug" ukz"oqpvju"vjcp" kp"cp{"qvjgt"
kpuqnxgpe{"fkuvtkev.""
"
*kk+" vjg" fgdvqt" ku" tgukfgpv" kp" Gpincpf" cpf" Ycngu" cpf" ykvjkp" vjg""
ukz"oqpvju"koogfkcvgn{"rtgegfkpi"vjg"rtgugpvcvkqp"qh"vjg"rgvkvkqp"
qt" vjg" ocmkpi" qh" vjg" crrnkecvkqp" vjg" fgdvqt" fkf" pqv" ectt{"qp"
dwukpguu"kp"Gpincpf"cpf"Ycngu"dwv"tgukfgf"ykvjkp"vjg"ctgc"qh"vjg"
Nqpfqp"Kpuqnxgpe{"Fkuvtkev"hqtÏ""
"
*cc+" vjg"itgcvgt"rctv"qh"vjqug"ukz"oqpvju."qt""
*dd+" c" nqpigt" rgtkqf" kp" vjqug" ukz" oqpvju" vjcp" kp" cp{"q vjgt"
kpuqnxgpe{"fkuvtkev.""
"
*kkk+" vjg"fgdvqt"ku"pqv"tgukfgpv"kp"Gpincpf"cpf"Ycngu"dwv"ykvjkp"vjg"ukz"
oqpvju"koogfkcvgn{"rtgegfkpi"vjg"rtgugpvcvkqp"qh"vjg"rgvkvkqp"qt"
vjg"ocmkpi"qh"vjg"crrnkecvkqp"ecttkgf"qp"dwukpguu"ykvjkp"vjg"ctgc"
qh"vjg"Nqpfqp"Kpuqnxgpe{"Fkuvtkev.""
*kx+" vjg"fgdvqt" ku"pqv" tgukfgpv" kp"Gpincpf" cpf"Ycngu" cpf" ykvjkp"vjg""
8"oqpvju"koogfkcvgn{"rtgegfkpi" vjg"rtgugpvcvkqp"qh"vjg" rgvkvkqp"
qt" vjg" ocmkpi" qh" vjg" crrnkecvkqp" fkf" pqv" ectt{" qp" dwukpguu" kp"
Gpincpf" cpf" Ycngu" dwv"tgukfgf" ykvjkp" vjg" ctgc" qh" vjg" Nqpfqp"
Kpuqnxgpe{"Fkuvtkev."qt""
*x+" vjg"fgdvqt" ku"pqv" tgukfgpv"kp" Gpincpf" cpf"Ycngu" cpf"ykvjkp" vjg""
8"oqpvju"koogfkcvgn{"rtgegfkpi" vjg"rtgugpvcvkqp"qh"vjg" rgvkvkqp"
qt" vjg" ocmkpi" qh" vjg" crrnkecvkqp"vjg" fgdvqt" pgkvjgt" ecttkgf" qp"
dwukpguu"pqt"tgukfgf"kp"Gpincpf"cpf"Ycngu=""
"
*d+" etgfkvqtuÓ"dcpmtwrve{" rgvkvkqpu"rtgugpvgf"d{" c"Okpkuvgt"q h"vjg"Etqyp"
qt"c"Iqxgtpogpv"Fgrctvogpv."yjgtg"gkvjgtÏ""
"
*k+" kp" cp{" uvcvwvqt{" fgocpf" qp" yjkej" vjg" rgvkvkqp" ku" dcugf" vjg"
etgfkvqt" jcu" kpfkecvgf" vjg" kpvgpvkqp" vq" rtgugpv" c" dcpmtwrve{"
rgvkvkqp"vq"c"eqwtv"gzgtekukpi"lwtkufkevkqp"kp"tgncvkqp"vq"vjg"Nqpfqp"
Kpuqnxgpe{"Fkuvtkev."qt""
*kk+" vjg"rgvkvkqp" ku"rtgugpvgf"wpfgt" ugevkqp"489*4+*e+" qp"vjg"itqwpfu"
urgekhkgf"kp"ugevkqp"48:*3+*d+=""
"
*e+" dcpmtwrve{"rgvkvkqpuÏ""
"
*k+" yjgtg"vjg" rgvkvkqpgt" ku" wpcdng" vq" cuegtvckp" vjg" rnceg" yjgtg"vjg"
fgdvqt"tgukfgu"qt."kh"vjg"fgdvqt"ecttkgu"qp"dwukpguu"kp"Gpincpf"cpf"
"Toolkit" 599"
"
Ycngu."dqvj"yjgtg"vjg"fgdvqt"tgukfgu"cpf"yjgtg"vjg"fgdvqt"ecttkgu"
qp"dwukpguu."qt""
*kk+" yjgtg"vjg"fgdvqt"ku"c"ogodgt"qh"c"rctvpgtujkr"cpfÏ""
"
*cc+" vjg" rctvpgtujkr" ku" dgkpi" yqwpf" wr" d{" vjg" Jkij" Eqwtv"
ukvvkpi"kp"Nqpfqp="qt""
*dd+" c"rgvkvkqp" hqt"vjg"ykpfkpi" wr"qh"vjg" rctvpgtujkr"jcu" dggp"
rtgugpvgf"vq" vjg"Jkij" Eqwtv"ukvvkpi" kp"Nqpfqp" cpf"cv" vjg"
vkog" qh" vjg" rtgugpvcvkqp" qh" vjg" dcpmtwrve{" rgvkvkqp." vjg"
rgvkvkqp"hqt"vjg"ykpfkpi"wr"qh"vjg"rctvpgtujkr"jcu"pqv"dggp"
hwnn{"fkurqugf"qh="cpf""
"
*f+" dcpmtwrve{" rgvkvkqpu" dcugf" qp" etkokpcn" dcpmtwrve{" qtfgtu" wpfgt"
ugevkqp"486*3+*f+0""
Uejgfwng"6"vq"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+""
Twngu"4238"
Uejgfwng"6"
Twng"304*4+"
Ugtxkeg"qh"fqewogpvu"
30Ï*3+"Vjku"Uejgfwng"ugvu"qwv"vjg"tgswktgogpvu"hqt"ugtxkeg" yjgtg"c"fqewogpv"ku"
tgswktgf"vq"dg"ugtxgf0"
*4+" Ugtxkeg"ku"vq"dg"ecttkgf"qwv"kp"ceeqtfcpeg"ykvj"Rctv"8"qh"vjg"ERT"cu"vjcv"Rctv"
crrnkgu"vq"gkvjgt"c"Òencko"hqtoÓ"qt"c"Òfqewogpv"qvjgt"vjcp"vjg"encko"hqtoÓ"
gzegrv" yjgtg" vjku" Uejgfwng" rtqxkfgu" qvjgtykug" qt" vjg" eqwtv" qvjgtykug"
crrtqxgu"qt"fktgevu0"
*5+" Jqygxgt." yjgtg" c" fqewogpv" ku" tgswktgf" qt" rgtokvvgf" vq" dg" ugtxgf" cv" c"
eqorcp{Óu"tgikuvgtgf"qhhkeg"ugtxkeg"oc{"dg"ghhgevgf"cv"c"rtgxkqwu"tgikuvgtgf"
qhhkeg"kp"ceeqtfcpeg"ykvj"ugevkqp":9*4+"qh"vjg"Eqorcpkgu"Cev0"
*6+" Kp"vjg"ecug"qh"cp"qxgtugcu" eqorcp{"ugtxkeg"oc{"dg"ghhgevgf"kp"cp{"ocppgt"
rtqxkfgf"hqt"d{"ugevkqp"335;*4+"qh"vjg"Eqorcpkgu"Cev0"
*7+" Kh" hqt" cp{" tgcuqp" kv" ku" kortcevkecdng" vq" ghhgev" ugtxkeg" cu"rtqx kfgf" hqt" kp"
rctcitcrju"*4+"vq"*6+" vjgp"ugtxkeg"oc{"dg"ghhgevgf" kp"uwej"qvjgt"ocppgt" cu"
vjg"eqwtv"oc{"crrtqxg"qt"fktgev0"
*8+" Vjg"vjktf"eqnwop"qh"vjg"vcdng"dgnqy"ugvu"qwv"yjkej"fqewogpvu"ctg"vtgcvgf"cu"
Òencko"hqtouÓ"hqt"vjg"rwtrqugu"qh"crrn{kpi"Rctv"8"qh"vjg"ERT"cpf"yjkej"ctg"
Òfqewogpvu" qvjgt" vjcp" vjg" encko" hqtoÓ" *ecnngf" kp" vjku" Uejgfwng" Òqvjgt"
fqewogpvuÓ+0"
*9+" Vjg"hqwtvj"eqnwop"qh" vjg"vcdng"ugvu"qwv" oqfkhkecvkqpu"vq"Rctv"8"qh"vjg"ERT"
yjkej" crrn{" vq" vjg" ugtxkeg" qh" fqewogpvu" nkuvgf" kp" vjg" hktuv" cpf"ugeqpf"
eqnwopu0"
*:+" Rctv"8"qh"vjg"ERT"crrnkgu"vq"vjg"ugtxkeg"qh"fqewogpvu"qwvukfg"vjg"lwtkufkevkqp"
ykvj"uwej"oqfkhkecvkqpu"cu"vjg"eqwtv"oc{"crrtqxg"qt"fktgev0"
"
000"
"
"
59:" Personal Insolvency Practice"
"
Vcdng"qh"Tgswktgogpvu"hqt"Ugtxkeg"
Rule (or
section)
Document Whether treated as
claim form or other
document
Modifications to
Part 6 of the CPR
which apply unless
the court directs
otherwise
È" """
3204" Uvcvwvqt{"fgocpf"
*dcpmtwrve{+"
Qvjgt"fqewogpv" Ugtxkeg"kp"
ceeqtfcpeg"ykvj""
twng"32040"
32036" Dcpmtwrve{"Rgvkvkqp"
*etgfkvqtÓu+"
Encko"hqto" Rgtuqpcn"ugtxkeg0"
Vjg"rgvkvkqpgt"owuv"
ugtxg"vjg"rgvkvkqp0"
3204;" Eqwtv"qtfgt"Î"ejcpig"qh"
ecttkcig"qh"rgvkvkqp"
Qvjgt"fqewogpv" "
32072" Eqwtv"qtfgt"hqt"
cffkvkqpcn"fgrqukv"vq"dg"
rckf"Î"kpvgtko"tgegkxgt"
Qvjgt"fqewogpv" "
320;;" Eqwtv"qtfgt"hqt"rwdnke"
gzcokpcvkqp"ugtxgf"qp"
dcpmtwrv"
Qvjgt"fqewogpv" "
32033;" Eqwtv"qtfgt"hqt"
fkuenquwtg"d{"JOTE"
Qvjgt"fqewogpv" "
320348" Pqvkeg"vq"tgekrkgpv"qh"
chvgt"ceswktgf"rtqrgtv{"
Qvjgt"fqewogpv" "
320388" Eqwtv"qtfgt"hqt"rquv"
fktgevkqp"
Qvjgt"fqewogpv" "
3305" Crrnkecvkqp"hqt"fgdv"
tgnkgh"tguvtkevkqpu"qtfgt"
*FTTQ+"qt"dcpmtwrve{"
tguvtkevkqpu"qtfgt"
*DTQ+"
Encko"hqto" Vjg"crrnkecpv"owuv"
ugtxg"vjg"crrnkecvkqp0"
3306" Ugtxkeg"qh"gxkfgpeg"hqt"
FTTQ"qt"DTQ"
Qvjgt"fqewogpv" "
340;" Crrnkecvkqpu"vq"eqwtv"
igpgtcnn{"*yjgtg"
ugtxkeg"tgswktgf+"
Encko"hqto" Vjg"crrnkecpv"owuv"
ugtxg"vjg"crrnkecvkqp0"
3403;" Eqwtv"qtfgt"hqt"rtkxcvg"
gzcokpcvkqp"
Qvjgt"fqewogpv" Rgtuqpcn"ugtxkeg0"
Vjg"crrnkecpv"owuv"
ugtxg"vjg"qtfgt0"
3404:*4+" Ykvpguu"uvcvgogpv"qh"
gxkfgpeg"
Qvjgt"fqewogpv" "
34059*9+" Crrnkecvkqp"hqt"dnqem"
vtcpuhgt"qtfgt"
Encko"hqto" Vjg"crrnkecpv"owuv"
ugtxg"vjg"crrnkecvkqp0"
34064" Pqvkeg"tgswktkpi"rgtuqp"
vq"cuuguu"equvu"d{"
fgvckngf"cuuguuogpv"
Qvjgt"fqewogpv" "
3406:" Crrnkecvkqp"hqt"equvu" Encko"hqto" Vjg"crrnkecpv"owuv"
ugtxg"vjg"crrnkecvkqp0"
"" " "
"Toolkit" 59;"
"
3;06"*(""
ugevkqpu"39;"
cpf"539+"
Pqvkeg"qh"fkuenckogt"
*ngcugjqnf"rtqrgtv{+"
""
3;07"*(""
ugevkqp"53:+"
Pqvkeg"qh"fkuenckogt"
*fygnnkpi"jqwug+"
""
Rctcitcrj"7*3+"
qh"vjku"
Uejgfwng"
Qtfgt"uvc{kpi"
rtqeggfkpiu"
" Vjg"crrnkecpv"owuv"
ugtxg"vjg"qtfgt0"
Uejgfwng"7"vq"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+""
Twngu"4238"
Uejgfwng"7"
Twng"305"
Ecnewncvkqp"qh"vkog"rgtkqfu"
]PqvgCev"eqpvckpu"c"rqygt"hqt"vjg"eqwtv"vq"gzvgpf"vjg"vkog"hqt"
fqkpi"cp{vjkpi" tgswktgf"d{" vjg" Cev"qt" vjgug"Twngu" wpfgt"vjg" Ugeqpf"Itq wr"qh"
Rctvu"*Kpuqnxgpe{"qh"Kpfkxkfwcnu="dcpmtwrve{+0̲"
"
30" Vjg" twngu" kp" ERT" 40:" ykvj" vjg" gzegrvkqp" qh" rctcitcrj" *6+" crrn{"hqt"vjg"
ecnewncvkqp"qh"rgtkqfu"gzrtguugf"kp"fc{u"kp"vjg"Cev"cpf"vjgug"Twngu0"
40Ï"*3+" Vjku" rctcitcrj" crrnkgu" hqt" vjg" ecnewncvkqp" qh" rgtkqfu" gzrtguugf" kp"
oqpvju0"
*4+" Vjg"dgikppkpi" cpf"vjg" gpf"qh" c"rgtkqf" gzrtguugf"kp" oqpvju" ku"vq" dg"
fgvgtokpgf"cu"hqnnqyuÏ"
"
*c+" kh"vjg"dgikppkpi"qh"vjg"rgtkqf"ku"urgekhkgfÏ"
"
*k+" vjg"oqpvj"kp"yjkej"vjg"rgtkqf"gpfu"ku"vjg"urgekhkgf"pwodgt"
qh"oqpvju"chvgt"vjg"oqpvj"kp"yjkej"kv"dgikpu."cpf"
*kk+" vjg"fcvg"kp"vjg"oqpvj"qp"yjkej"vjg"rgtkqf"gpfu"kuÏ"
"
*cc+" vjg"fc{"dghqtg"vjg"fcvg"eqttgurqpfkpi"vq"vjg"fcvg"kp"
vjg"oqpvj"qp"yjkej"kv"dgikpu."qt"
*dd+" kh"vjgtg" ku" pq" uwej" fcvg" kp" vjg" oqpvj" kp" yjkej" kv"
gpfu."vjg"ncuv"fc{"qh"vjcv"oqpvj="
"
*d+" kh"vjg"gpf"qh"vjg"rgtkqf"ku"urgekhkgfÏ"
"
*k+" vjg" oqpvj" kp" yjkej" vjg" rgtkqf" dgikpu" ku" vjg" urgekhkgf"
pwodgt"qh"oqpvju"dghqtg"vjg"oqpvj"kp"yjkej"kv"gpfu."cpf"
*kk+" vjg"fcvg"kp"vjg"oqpvj"qp"yjkej"vjg"rgtkqf"dgikpu"kuÏ"
"
*cc+" vjg"fc{"chvgt" vjg"fcvg"eqttgurqpfkpi" vq"vjg"fcvg" kp"
vjg"oqpvj"qp"yjkej"kv"gpfu."qt"
*dd+" kh"vjgtg" ku" pq" uwej" fcvg" kp" vjg" oqpvj" kp" yjkej" kv"
dgikpu."vjg"ncuv"fc{"qh"vjcv"oqpvj0"
"
5:2" Personal Insolvency Practice"
"
50" Vjg" rtqxkukqpu" qh" ERT" twng" 503*4+*c+" *vjg" eqwtvÓu" igpgtcn" rqygtu" qh"
ocpcigogpv+"crrn{"uq"cu" vq"gpcdng"vjg" eqwtv"vq"gzvgpf" qt"ujqtvgp"vjg" vkog"
hqt"eqornkcpeg" ykvj" cp{vjkpi" tgswktgf" qt" cwvjqtkugf" vq" dg" fqpg" d{" vjgug"
Twngu0"
60" Rctcitcrj"5"ku"uwdlgev" vq"cp{"vkog"nkokvu" gzrtguun{"uvcvgf"kp"vjg" Cev"cpf"vq"
cp{"urgekhke"rqygtu"kp"vjg" Cev"qt"vjgug"Twngu"vq"gzvgpf" qt"ujqtvgp"vjg"vkog"
hqt"eqornkcpeg0"
Uejgfwng"8"vq"vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+""
Twngu"4238"
Uejgfwng"8"
Twng";044"
Kpuqnxgpe{"lwtkufkevkqp"qh"eqwpv{"eqwtv"jgctkpi"egpvtgu"
]Pqvgvjku" vcdng."
lwtkufkevkqp"wpfgt" Rctv" C3" vq" 9" qh"vjg" Cev"ku" eqphgttgf" qp" vjg" Jkij" Eqwtv" cu" c"
tguwnv"qh"ctvkeng"8D"qh"vjg"Jkij"Eqwtv"cpf"Eqwpv{"Eqwtvu"Lwtkufkevkqp"Qtfgt"3;;3"
*U0K0" 3;;31946+" yjkej" ycu" kpugtvgf" d{" vjg" Jkij" Eqwtv" cpf" Eqwpv{"Eqwtvu"
Lwtkufkevkqp"*Cogpfogpv+"Qtfgt"4236"*U0K0"42361:43+0̲""
"
Name of county court
hearing centre
Parts of the Insolvency Act
under which proceedings may
be commenced at a county
court hearing centre or the
alternative court or county
court hearing centre where
proceedings may be
commenced
Nearest full time court
or hearing centre
Cdgt{uvy{vj" Rctv"C3"vq"33" Ectfkhh"
Cnfgtujqv"("Hctpjco" Iwknfhqtf" "
Dcpdwt{" Rctv"C3"vq"33" Nwvqp."Inqweguvgt"qt"
Tgcfkpi"
Dctpgv" Nqpfqp"Kpuqnxgpe{"Fkuvtkev"Î"
Jkij"Eqwtv"hqt"Rctv"C3"vq"9"
*ugg"jgcf"pqvg+="Eqwpv{"Eqwtv"
cv"Egpvtcn"Nqpfqp"hqt"Rctvu"9C"
vq"33"
"
Dctpung{" Rctv"C3"vq"33" Ujghhkgnf"
Dctpuvcrng" Rctv"C3"vq"33" Gzgvgt"
Dcttqy/kp/Hwtpguu" Rctv"C3"vq"33" Dncemrqqn"qt"Rtguvqp"
Dcuknfqp" Uqwvjgpf/qp/Ugc" "
Dcukpiuvqmg" Tgcfkpi" "
Dcvj" Rctv"C3"vq"33" Dtkuvqn"
Dgfhqtf" Rctv"C3"vq"33" Nwvqp"
Dktmgpjgcf" Rctv"C3"vq"33" "
Dktokpijco" Rctv"C3"vq"33" "
Dncemdwtp" Rctv"C3"vq"33" Rtguvqp"
Dncemrqqn" Rctv"C3"vq"33" "
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cv"Egpvtcn"Nqpfqp"hqt"Rctvu"9C"
vq"33"
"
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cv"Egpvtcn"Nqpfqp"hqt"Rctvu"9C"
vq"33"
"
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vq"33"
"
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"
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cv"Egpvtcn"Nqpfqp"hqt"Rctvu"9C"
vq"33"
"
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rtqeggfkpiu."ku"kuuwgf" kp"c"Eqwpv{"Eqwtv" jgctkpi"egpvtg"jcxkpi"kpuqnxgpe{"
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*d+" vq"vjg"Egpvtcn"Nqpfqp"Eqwpv{"Eqwtv" kh"vjg"crrnkecvkqp"qt"rgvkvkqp"ycu"
kuuwgf"kp"c" Eqwpv{"Eqwtv"jgctkpi" egpvtg"nqecvgf"kp" vjg"Uqwvj/Gcuvgtp"
ektewkv="qt"
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vq" vkog" d{" vjg" Ejcpegnnqt" qh" vjg" Jkij" Eqwtv" qt" vjgkt" pqokpgg." cpf"
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rtqeggfkpiu/rtcevkeg/fktgevkqp/urgekhkgf/urgekcnkuv/jgctkpi/egpvtgu1+0"
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*kkk+"wpqrrqugf"dcpmtwrve{"rgvkvkqpu=" *kx+"crrnkecvkqpu"hqt"kpeqog"rc{ogpv"
qtfgtu=" *x+" crrnkecvkqpu" hqt" cpf" vjg" eqpfwev" qh" rwdnke" cpf" rtkxcvg"
gzcokpcvkqpu=" *xk+" ycttcpvu" hqt" cttguv" kp"eqppgevkqp" ykvj" vjg" eqpfwev" qh"
rwdnke" qt" rtkxcvg" gzcokpcvkqpu=" *xkk+" enckou" hqt" rquuguukqp" d{" cp" qhhkeg/
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crrnkecvkqp=" *kkk+" vjg" nqecvkqp" cpf" pggfu" qh" vjg" rctvkgu=" *kx+" vjg" cxckncdng"
lwfkekcn" tguqwtegu=" cpf" *x+" cnn" vjg" qvjgt" ektewouvcpegu" qh" vjg" ecug0" Vjg"
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*d+" Tgvckpkpi"vjg" gpvktgv{"qh" vjg"kpuqnxgpe{"rtqeggfkpiu" kp"vjg" tgegkxkpi"
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jgctkpi="
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5032"Vjg" ecug"ocpcigogpv"fgekukqp"cdqwv"vtcpuhgt"ujcnn" dg"tgeqtfgf"kp"cp"qtfgt"
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70"Ugtxkeg"qh"Eqwtv"fqewogpvu"kp"kpuqnxgpe{"rtqeggfkpiu"
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Uejgfwng"6"rtqxkfgu"qvjgtykug."qt"vjg"eqwtv"qvjgtykug"crrtqxgu"qt"fktgevu0"
704" Uwdlgev"vq"vjg"Eqwtv"crrtqxkpi"qt"fktgevkpi"qvjgtykug."ERT"Rctv"8"crrnkgu"vq"
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705" Cvvgpvkqp"ku" ftcyp" vq"rctcitcrj" 8"qh" Uejgfwng" 6"vq" vjg" Kpuqnxgpe{"Twngu"
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80"Ftcykpi"wr"qh"qtfgtu"
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90"Wtigpv"crrnkecvkqpu"
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dtkpi"vjg"uvcvwvqt{"fgocpf"vq"vjg"pqvkeg"qh"vjg"fgdvqt0"
3305"C" etgfkvqt"ykujkpi" vq" ugtxg"c"uvcvwvqt{" fgocpf"qwv" qh"vjg"lwtkufkevkqp" kp"c"
hqtgkip"eqwpvt{"ykvj"cp"crrnkecdng"ekxkn"rtqegfwtg"eqpxgpvkqp"*kpenwfkpi"vjg"
Jciwg"Eqpxgpvkqp+"oc{"cpf."kh"vjg"cuukuvcpeg"qh"c"Dtkvkuj"Eqpuwn"ku"fguktgf."
owuv"cfqrv"vj g"rtqegfwtg"rtguetkdgf" d{"ERT"twng" 8064"cpf"ERT" twng"80650"
Kp" vjg" ecug" qh" cp{" fqwdv" yjgvjgt" vjg" eqwpvt{" ku" c" Òeqpxgpvkqp" eqwpvt{Ó."
gpswktkgu"ujqwnf" dg" ocfg" qh" vjg" Hqtgkip" Rtqeguu" Ugevkqp" qh" vjg" SwggpÓu"
Dgpej"Fkxkukqp."Tqqo"G38."Tq{cn"Eqwtvu"qh"Lwuvkeg."Uvtcpf."Nqpfqp"YE4C"
4NN0"
3306"Ugvvkpi"cukfg"c"uvcvwvqt{"fgocpf"
330603" Vjg"crrnkecvkqp"cpf"ykvpguu"uvcvgogpv"kp"uwrrqtv"qh"ugvvkpi"cukfg" c"
uvcvwvqt{"fgocpf."gzjkdkvkpi"c"eqr{"qh"vjg"uvcvwvqt{"fgocpf."owuv"
dg"hkngf"kp"Eqwtv"ykvjkp"3:"fc{u"qh"ugtxkeg"qh"vjg"uvcvwvqt{"fgocpf"
qp"vjg"fgdvqt0"Vjg"vkog"nkokvu"ctg"fkhhgtgpv"kh"vjg"uvcvwvqt{"fgocpf"
jcu"dggp"ugtxgf"qwv"qh"vjg"lwtkufkevkqp
330604" C"fgdvqt"yjq"ykujgu"vq"crrn{"vq"ugv"cukfg"c"uvcvwvqt{"fgocpf"chvgt"
vjg"gzrktcvkqp"qh"3:"fc{u."qt"kh"ugtxkeg"ku"qwv"qh"vjg"lwtkufkevkqp."chvgt"
vjg"gzrktcvkqp"qh" vjg"vkog"nkokv" urgekhkgf"d{"twng" 3203*32+*c+"htqo"
vjg" fcvg" qh" ugtxkeg" qh" vjg" uvcvwvqt{" fgocpf." owuv" crrn{" hqt" cp"
gzvgpukqp"qh" vkog"ykvjkp"yjkej" vq"crrn{" vq"ugv"cukfg" vjg"uvcvwvqt{"
fgocpf0"Vjg"ykvpguu"uvcvgogpv"kp"uwrrqtv"qh"vjg" crrnkecvkqp"vq"ugv"
cukfg"uvcvwvqt{"fgocpf"ujqwnf"cnuq" eqpvckp"gxkfgpeg"kp"uwrrqtv"qh"
vjg"crrnkecvkqp"hqt"cp"gzvgpukqp"qh"vkog"cpf"ujqwnf"uvcvg"vjcv"vq"vjg"
dguv"qh"vjg"fgdvqtÓu"mpqyngfig"cpf" dgnkgh"vjg"etgfkvqt*u+"pcogf"kp"
vjg"uvcvwvqt{"fgocpf"jcu1jcxg"pqv"rtgugpvgf"c"dcpmtwrve{"rgvkvkqp0"
330605" Wpnguu" vjg" Eqwtv" vq" yjkej" vjg" crrnkecvkqp" vq" ugv" cukfg" ku" ocfg"
qrgtcvgu"Gngevtqpke" Hknkpi" cpf" Gngevtqpke" Rtcevkeg" Fktgevkqp" 73Q"
crrnkgu."vjg"hqnnqykpi"crrnkgu
"
*3+" Vjtgg"eqrkgu" qh"gcej" fqewogpv"owuv" dg"nqfigf" ykvj"vjg"
crrnkecvkqp." vq" gpcdng" vjg" Eqwtv" vq" ugtxg" pqvkeg" qh" vjg"
jgctkpi"fcvg"qp"vjg" crrnkecpv."vjg"etgfkvqt"cpf"vjg" rgtuqp"
pcogf"wpfgt"twng"3203*5+0"
"Toolkit" 5;3"
"
*4+" Yjgtg"eqrkgu" qh" vjg" fqewogpvu" ctg" pqv" nqfigf" ykvj" vjg"
crrnkecvkqp." cp{" qtfgt" qh" vjg" Eqwtv" hkzkpi" c" xgpwg" ku"
eqpfkvkqpcn"wrqp"eqrkgu"qh"vjg"fqewogpvu"dgkpi"nqfigf"qp"
vjg"pgzv"dwukpguu"fc{"chvgt"vjg"EqwtvÓu"qtfgt."qvjgtykug"vjg"
crrnkecvkqp"yknn"dg"fggogf"vq"jcxg"dggp"fkuokuugf0"
"
330606" Yjgtg" vjg" fgdv" enckogf" kp" vjg" uvcvwvqt{" fgocpf" ku" dcugf" qp" c"
lwfiogpv."qtfgt."nkcdknkv{"qtfgt."equvu"egtvkhkecvg."vcz"cuuguuogpv"qt"
fgekukqp"qh"c" vtkdwpcn."vjg" Eqwtv"yknn"pqv" cv"vjku"uvcig" kpswktg"kpvq"
vjg"xcnkfkv{" qh" vjg"fgdv" pqt."cu" c" igpgtcn"twng." yknn"kv" cflqwtp" vjg"
crrnkecvkqp" vq" cyckv" vjg" tguwnv" qh" cp" crrnkecvkqp" vq" ugv" cukfg" vjg"
lwfiogpv."qtfgt."fgekukqp."equvu"egtvkhkecvg"qt"cp{"crrgcn0"
330607" Vjg" Eqwtv" yknn" fgvgtokpg" cp" crrnkecvkqp" vq" ugv" cukfg" c" uvcvwvqt{"
fgocpf"kp"ceeqtfcpeg"ykvj"twng"32070"
330608" Cvvgpvkqp"ku" ftcyp" vq"vjg" rqygt" qh"vjg" Eqwtv" vq"fgenkpg" vq"hkng" c"
rgvkvkqp"kh"vjgtg"jcu" dggp"c"hcknwtg"vq"eqorn{"ykv j"vjg"tgswktgogpv"
qh"twng"32040"
"
340"Dcpmtwrve{"rgvkvkqpu"
3403"Cnn"rgvkvkqpu"rtgugpvgf"yknn"dg"nkuvgf"wpfgt"vjg"pcog"qh"vjg"fgdvqt"wpnguu"vjg"
Eqwtv"fktgevu"qvjgtykug0"
3404"Eqpvgpv"qh"rgvkvkqpu"
340403" Vjg"cvvgpvkqp"qh"Eqwtv"wugtu"ku"ftcyp"vq"vjg"hqnnqykpi"rqkpvu
"
*3+" C" etgfkvqtÓu" rgvkvkqp" fqgu" pqv" tgswktg" fcvkpi." ukipkpi""
qt" ykvpguukpi." dwv" owuv" dg" xgtkhkgf" kp" ceeqtfcpeg" ykvj""
twng"320320"
*4+" Kp"vjg" jgcfkpi."kv"ku" qpn{"pgeguuct{" vq"tgekvg" vjg"fgdvqtÓu"
pcog"g0i0"Tg"Lqjp"Yknnkco"Uokvj"qt"Tg"L"Y"Uokvj"*Ocng+0"
Cp{"cnkcu"qt" vtcfkpi"pcog" yknn"crrgct"kp" vjg"dqf{"qh" vjg"
rgvkvkqp0"
"
340404" Yjgtg"vjg"rgvkvkqp"ku"dcugf"uqngn{" qp"c"uvcvwvqt{"fgocpf."qpn{"vjg"
fgdv"enckogf"kp"vjg"fgocpf"oc{"dg"kpenwfgf"kp"vjg"rgvkvkqp0"
340405" Vjg"cvvgpvkqp"qh" Eqwtv"wugtu"ku" cnuq"ftcyp"vq" twngu"320:"cpf"320;."
yjgtg"vjg"Òciitgicvg"uwoÓ"ku"ocfg"wr"qh"c"pwodgt"qh"fgdvu0"
340406" Vjg"fcvg" qh" ugtxkeg"qh" vjg"uvcvwvqt{" fgocpf"ujqwnf" dg"tgekvgf" cu"
hqnnqyu
"
*3+" Yjgtg"vjg"fgocpf"jcu"dggp"ugtxgf"rgtuqpcnn{."vjg"fcvg"qh"
ugtxkeg"cu"ugv"qwv"kp"vjg"egtvkhkecvg"qh"ugtxkeg0"
*4+" Yjgtg"vjg"fgocpf"jcu"dggp"ugtxgf"qvjgt"vjcp"rgtuqpcnn{."
vjg" fcvg" cu" ugv" qwv" kp" vjg" egtvkhkecvg" qh" ugtxkeg" hkngf" kp"
eqornkcpeg"ykvj"twng"32050"
"
3405"Ugctejgu"
340503" Vjg"rgvkvkqpkpi"etgfkvqt"ujcnn."dghqtg"rtgugpvkpi"c"rgvkvkqp."eqpfwev"
cp"Qhhkekcn"Ugctej"ykvj"vjg"Ejkgh"Ncpf"Tgikuvtct"kp"vjg"tgikuvgt"qh"
5;4" Personal Insolvency Practice"
"
rgpfkpi"cevkqpu"hqt" rgpfkpi"rgvkvkqpu"rtgugpvgf"cickpuv"vjg" fgdvqt"
cpf"ujcnn"kpenwfg"vjg"hqnnqykpi"egtvkhkecvg"cv"vjg"gpf"qh"vjg"rgvkvkqp
"
" ÒK1yg"egtvkh{" vjcv"ykvjkp" 9" fc{u"gpfkpi" vqfc{."K1yg" jcxg"
eqpfwevgf"c"ugctej"hqt"rgpfkpi"rgvkvkqpu"rtgugpvgf"cickpuv"
vjg" fgdvqt" cpf" vjcv" vq" vjg" dguv" qh" o{1qwt" mpqyngfig."
kphqtocvkqp." cpf" dgnkgh" ]pq" rtkqt" rgvkvkqpu" jcxg" dggp"
rtgugpvgf" yjkej" ctg" uvknn" rgpfkpi̲"]c" rtkqt" rgvkvkqp" *Pq""
]" " ̲+"jcu"dggp" rtgugpvgf"cpf"ku1oc{" dg"rgpfkpi"kp" vjg""
]" " " " Eqwtv̲"cpf"K1yg" co1ctg"kuuwkpi" vjku"rgvkvkqp"cv"
tkum"cu"vq"equvu̲0"Ukipgf"000"Fcvgf"000Ó0"
"
3406"Vjg"fgrqukv"
340603" C"dcpmtwrve{"rgvkvkqp"yknn"pqv"dg" vtgcvgf"cu"jcxkpi"dggp"rtgugpvgf"
wpvkn"vjg"Eqwtv"hgg"cpf"qhhkekcn"tgegkxgtÓu"fgrqukv"jcxg"dggp"rckf0"C"
rgvkvkqp"hkngf"gngevtqpkecnn{"ykvjqwv"rc{ogpv"qh"vjg"fgrqukv"yknn"dg"
octmgf"ÒrtkxcvgÓ"cpf" yknn"pqv"dg" cxckncdng"hqt"kpurgevkqp"wpvkn"vjg"
fgrqukv"jcu"dggp"rckf0"Vjg"fcvg"qh"rtgugpvcvkqp"qh" vjg"rgvkvkqp"yknn"
ceeqtf" ykvj" vjg" fcvg" qp" yjkej" vjg"fgrqukv" jcu" dggp" rckf0" Kh" vjg"
qhhkekcn"tgegkxgtÓu"fgrqukv" ku"pqv" rckf"ykvjkp"9" ecngpfct"fc{u"chvgt"
hknkpi"vjg"rgvkvkqp."vjg" rgvkvkqp"yknn"pqv"dg"ceegrvgf." kp"ceeqtfcpeg"
ykvj"rctcitcrj"705"qh"vjg"Gngevtqpke"Rtcevkeg"Fktgevkqp"73Q" Î"Vjg"
Gngevtqpke"Yqtmkpi"Rknqv"Uejgog0"
340604" Vjg"fgrqukv"yknn"dg"vcmgp"d{"vjg"Eqwtv"cpf"hqtyctfgf"vq"vjg"qhhkekcn"
tgegkxgt0"Kp"vjg"Tq{cn"Eqwtvu"qh"Lwuvkeg"vjg"rgvkvkqp"hgg"cpf"fgrqukv"
ujqwnf"dg"rckf"d{"ejgswg."qt"d{"fgdkv"qt"etgfkv"ectf"qxgt"vjg"rjqpg0"
Kp"c"Fkuvtkev"Tgikuvt{"qt"c"Eqwpv{"Eqwtv"jgctkpi"egpvtg."vjg"rgvkvkqp"
hgg"cpf"fgrqukv"ujqwnf"dg"jcpfgf"vq"vjg"uvchh"qh"vjg"fwn{"cwvjqtkugf"
qhhkegt"qh"vjg"Eqwtv"yjq"yknn"tgeqtf"kvu"tgegkrv0"Hqt"vjg"rwtrqugu"qh"
rctcitcrj"340603" cdqxg."vjg" fgrqukv" yknn"dg" vtgcvgf"cu" rckf"yjgp"
tgegkxgf"d{"vjg"Eqwtv0"
340605" Kh"rc{ogpv"ku"ocfg" d{"ejgswg."kv"ujqwnf"dg" ocfg"rc{cdng"vq"ÒJO"
Eqwtvu"cpf" Vtkdwpcnu" UgtxkegÓ"qt" ÒJOEVUÓ0" Hqt"vjg" rwtrqugu"qh"
rctcitcrj"3406"qh"vjku"KRF."vjg"fgrqukv"yknn"dg"vtgcvgf"cu"rckf"yjgp"
vjg"ejgswg"ku"tgegkxgf"d{"vjg"Eqwtv"
"
3407"Egtvkhkecvgu"qh"eqpvkpwkpi"f gdv"cpf"qh"pqvkeg"qh"cflqwtpogpv"
340703" Cv"vjg"hkpcn"jgctkpi"qh"c"rgvkvkqp."vjg"Eqwtv"yknn"pggf"vq"dg"ucvkuhkgf"
vjcv"vjg"fgdv"qp"yj kej"vjg"rgvkvkqp"ku"hqwpfgf"jcu" pqv"dggp"rckf"qt"
ugewtgf" qt" eqorqwpfgf0" Vjg" Eqwtv" yknn" pqtocnn{" ceegrv" cu"
uwhhkekgpv"gxkfgpeg"c" egtvkhkecvg"ukipgf"d{" vjg"rgtuqp"tgrtgugpvkpi"
vjg"rgvkvkqpkpi"etgfkvqt"kp"vjg"hqnnqykpi"hqto
"
" ÒK"egtvkh{" vjcv" K"jcxg1o{" hkto" jcu"ocfg" gpswktkgu"qh" vjg"
rgvkvkqpkpi"etgfkvqt*u+"ykvjkp"vjg"ncuv"dwukpguu"fc{"rtkqt"vq"
vjg" jgctkpi1cflqwtpgf" jgctkpi" cpf" vq" vjg" dguv" qh" o{"
mpqyngfig" cpf" dgnkgh" vjg" fgdv" qp" yjkej" vjg" rgvkvkqp" ku"
"Toolkit" 5;5"
"
hqwpfgf"ku" uvknn"fwg" cpf"qykpi" cpf"jcu" pqv"dggp" rckf" qt"
ugewtgf"qt"eqorqwpfgf"hqt"ucxg"cu"vq"È"
" Ukipgf"000" " " " Fcvgf"000Ó"
"
340704" Hqt"eqpxgpkgpeg." kp"vjg" Tq{cn"Eqwtvu" qh"Lwuvkeg" vjku"egtvkhkecvg" ku"
kpeqtrqtcvgf" kp" vjg" cvvgpfcpeg" ujggv" hqt" vjg"rctvkgu" vq" eqorngvg"
yjgp"vjg{"eqog"vq"Eqwtv" cpf"ku"vq"dg"hkngf"cv" vjg"jgctkpi0"C"htguj"
egtvkhkecvg"yknn"dg"tgswktgf"qp"gcej"cflqwtpgf"jgctkpi0"
340705" Qp"cp{"cflqwtpgf"jgctkpi"qh"c"rgvkvkqp."kp"qtfgt"vq"ucvkuh{"vjg"Eqwtv"
vjcv"vjg"rgvkvkqpgt"jcu"eqornkgf"ykvj" twng"32045."vjg"rgvkvkqpgt"yknn"
dg"tgswktgf"vq"hkng"gxkfgpeg"qh"yjgp" *vjg"fcvg+."jqy"*vjg"ocppgt+."
cpf" yjgtg" *vjg" cfftguu+." pqvkeg" qh" vjg" cflqwtpogpv" qtfgt" cpf"
pqvkhkecvkqp"qh"vjg"xgpwg"hqt"vjg"cflqwtpgf"jgctkpi"ycu"ugpv"vq
"
*3+" vjg"fgdvqt."cpf"
*4+" cp{"etgfkvqt"yjq"jcu"ikxgp"pqvkeg"wpfgt"twng"3203;"dwv"ycu"
pqv"rtgugpv"cv"vjg"jgctkpi"yjgp"vjg"qtfgt"hqt"cflqwtpogpv"
ycu"ocfg"qt"ycu"rtgugpv"cv"vjg"jgctkpi"dwv"vjg"fcvg"qh"vjg"
cflqwtpgf"jgctkpi"ycu"pqv"hkzgf"cv"vjcv"jgctkpi0"
"
340706" Hqt"eqpxgpkgpeg." kp"vjg" Tq{cn"Eqwtvu" qh"Lwuvkeg" vjku"egtvkhkecvg" ku"
kpeqtrqtcvgf" kp" vjg" cvvgpfcpeg" ujggv" hqt" vjg"rctvkgu" vq" eqorngvg"
yjgp"vjg{"eqog"vq"Eqwtv" cpf"ku"vq"dg"hkngf"cv" vjg"jgctkpi0"C"htguj"
egtvkhkecvg" yknn" dg" tgswktgf" qp" gcej" cflqwtpgf" jgctkpi0" Kv" ku" cu"
hqnnqyu
"
" ÒK"egtvkh{"vjcv" vjg"rgvkvkqpgt"jcu"eqornkgf"ykvj" twng"32045"
qh" vjg" Kpuqnxgpe{" Twngu" 4238" d{" ugpfkpi" pqvkeg" qh"
cflqwtpogpv" vq" vjg" fgdvqt" ]uwrrqtvkpi1qrrqukpi"
etgfkvqt*u+̲"qp"]fcvg̲"cv"]cfftguu̲Ó0"
"
3408"Gzvgpukqp"qh"jgctkpi"fcvg"qh"rgvkvkqp"
340803" Ncvg"crrnkecvkqpu" hqt"gzvgpukqp"qh" jgctkpi"fcvgu"wpfgt" twng"32044."
cpf"hcknwtg"vq"cvvgpf"qp"vjg"nkuvgf"jgctkpi"qh"c"rgvkvkqp."yknn"dg"fgcnv"
ykvj"cu"hqnnqyu
"
*3+" Kh"cp"crrnkecvkqp"ku"uwdokvvgf"nguu"vjcp" vyq"engct"yqtmkpi"
fc{u" dghqtg" vjg" jgctkpi" fcvg" *hqt" gzcorng." ncvgt" vjcp"
Oqpfc{" hqt" Vjwtufc{." qt" Ygfpgufc{" hqt" Oqpfc{+.""
vjg" equvu" qh" vjg" crrnkecvkqp" yknn" pqv" dg" cnnqygf" wpfgt""
twng"320440"
*4+" Kh"vjg" rgvkvkqp" jcu"pqv" dggp" ugtxgf"cpf" pq"gzvgpukqp" jcu"
dggp" itcpvgf" d{" vjg" vkog" hkzgf" hqt" vjg" jgctkpi" qh" vjg"
rgvkvkqp."cpf"kh"pq"qpg"cvvgpfu"hqt"vjg"jgctkpi."vjg"rgvkvkqp"
oc{"dg" fkuokuugf" qt"tg/nkuvgf" hqt"jgctkpi" cdqwv"43" fc{u"
ncvgt0" Vjg" Eqwtv" yknn" pqvkh{" vjg" rgvkvkqpkpi" etgfkvqtÓu"
uqnkekvqtu"*qt" vjg"rgvkvkqpkpi" etgfkvqt"kp" rgtuqp+."cpf" cp{"
mpqyp"uwrrqtvkpi"qt"qrrqukpi"etgfkvqtu"qt"vjgkt"uqnkekvqtu."
5;6" Personal Insolvency Practice"
"
qh"vjg"pgy"fcvg"cpf"vkog0"C"ykvpguu"uvcvgogpv"ujqwnf"vjgp"
dg" hkngf" qp" dgjcnh" qh" vjg" rgvkvkqpkpi" etgfkvqt" gzrnckpkpi"
hwnn{"vjg"tgcuqpu" hqt"vjg"hcknwtg" vq"crrn{"hqt" cp"gzvgpukqp"
qt" vq" crrgct" cv" vjg" jgctkpi."cpf" *kh" crrtqrtkcvg+" ikxkpi"
tgcuqpu"yj{"vjg"rgvkvkqp"ujqwnf"pqv"dg"fkuokuugf0"
*5+" Qp"vjg"tg/nkuvgf"jgctkpi"vjg"Eqwtv"oc{"fkuokuu"vjg"rgvkvkqp"
kh"pqv"ucvkuhkgf"kv"ujqwnf"dg"cflqwtpgf"qt"c"hwtvjgt"gzvgpukqp"
itcpvgf0"
"
340804" Cnn"crrnkecvkqpu"hqt"cp"gzvgpukqp"ujqwnf"kpenwfg"c"uvcvgogpv"qh"vjg"
fcvg"hkzgf"hqt"vjg"jgctkpi"qh"vjg"rgvkvkqp0"
340805" Vjg"rgvkvkqpkpi"etgfkvqt" ujqwnf"eqpvcev"vjg" Eqwtv"*d{"uqnkekvqtu" qt"
kp"rgtuqp+" qp"qt" dghqtg" vjg"jgctkpi" fcvg"vq" cuegtvckp"yjgvjgt" vjg"
crrnkecvkqp"jcu"tgcejgf" vjg"hkng"cpf" dggp"fgcnv"ykvj0" Kv"ujqwnf"pqv"
dg"cuuwogf"vjcv"cp"gzvgpukqp"yknn"dg"itcpvgf0"
"
3409"Ugtxkeg"qh"dcpmtwrve{"rgvkvkqpu"qvjgt"vjcp"d{"rgtuqpcn"ugtxkeg"
340903" Yjgtg" rgtuqpcn" ugtxkeg" qh" vjg" dcpmtwrve{" rgvkvkqp" ku" pqv"
rtcevkecdng." ugtxkeg" d{" qvjgt" ogcpu" oc{" dg" rgtokvvgf0" Kp" oquv"
ecugu."gxkfgpeg" vjcv"vjg" uvgru"ugv" qwv"kp" vjg"hqnnqykpi" rctcitcrju"
jcxg" dggp" vcmgp" yknn" uwhhkeg" vq" lwuvkh{" cp" qtfgt" hqt" ugtxkeg" qh"c"
dcpmtwrve{"rgvkvkqp"qvjgt"vjcp"d{"rgtuqpcn"ugtxkeg
"
*3+" Qpg"rgtuqpcn"ecnn"cv"vjg"tgukfgpeg"cpf"rnceg"qh"dwukpguu"qh"
vjg"fgdvqt0"Yjgtg"kv"ku"mpqyp"vjcv"vjg"fgdvqt"jcu"oqtg"vjcp"
qpg" tgukfgpvkcn" qt" dwukpguu" cfftguugu." rgtuqpcn" ecnnu"
ujqwnf"dg"ocfg"cv"cnn"vjg"cfftguugu0"
*4+" Ujqwnf"vjg"etgfkvqt"hckn" vq"ghhgev"rgtuqpcn"ugtxkeg."c" ngvvgt"
ujqwnf"dg"ytkvvgp"vq"vjg"fgdvqt"tghgttkpi"vq"vjg"ecnn*u+."vjg"
rwtrqug"qh"vjg"ucog."cpf"vjg"hcknwtg"vq"oggv"vjg"fgdvqt."
cffkpi" vjcv" c" hwtvjgt" ecnn" yknn" dg" ocfg" hqt" vjg" ucog"
rwtrqug"qp"vjg"]fc{̲"qh"]oqpvj̲"42]"̲"cv"]"̲"jqwtu"cv"]rnceg̲0"
Uwej"ngvvgt"oc{"dg"ugpv"d{"hktuv"encuu"rtgrckf"rquv"qt"nghv"cv"
qt"fgnkxgtgf"vq"vjg"fgdvqtÓu"cfftguu"kp"uwej"c"yc{"cu"kv"ku"
tgcuqpcdn{"nkmgn{"vq"eqog"vq"vjg"fgdvqtÓu"cvvgpvkqp0"Cv"ngcuv"
vyq" dwukpguu" fc{uÓ" pqvkeg" ujqwnf" dg" ikxgp" qh" vjg"
crrqkpvogpv"cpf" eqrkgu" qh"vjg" ngvvgt"ugpv" vq" qt"nghv" cv"cnn"
mpqyp" cfftguugu" qh" vjg" fgdvqt0" Vjg" crrqkpvogpv" ngvvgt"
ujqwnf"cnuq"uvcvg"vjcv
"
*c+" kp" vjg" gxgpv" qh" vjg" vkog" cpf" rnceg" pqv" dgkpi"
eqpxgpkgpv."vjg"fgdvqt" ujqwnf"rtqrqug"uqog" qvjgt"
vkog" cpf" rnceg" tgcuqpcdn{" eqpxgpkgpv" hqt" vjg"
rwtrqug="
*d+" kp"vjg" ecug"qh" c"uvcvwvqt{" fgocpf"cu" uwiiguvgf"kp"
rctcitcrj"3304" cdqxg."tghgtgpeg" ku"dgkpi" ocfg"vq"
vjku" rctcitcrj" hqt" vjg" rwtrqug" qh" ugtxkeg" qh" c"
uvcvwvqt{" fgocpf." vjg" crrqkpvogpv" ngvvgt" ujqwnf"
"Toolkit" 5;7"
"
uvcvg"vjcv"kh"vjg"fgdvqt"hcknu"vq"mggr"vjg"crrqkpvogpv"
vjg" etgfkvqt" rtqrqugu" vq" ugtxg" vjg" fgocpf" d{"
cfxgtvkugogpv1"rquv1"kpugtvkqp" vjtqwij"c"ngvvgt" dqz"
cu" vjg" ecug" oc{" dg." cpf" vjcv." kp" vjg" gxgpv" qh" c"
dcpmtwrve{"rgvkvkqp"dgkpi"rtgugpvgf."vjg"Eqwtv"yknn"
dg" cumgf" vq" vtgcv" uwej" ugtxkeg" cu" ugtxkeg" qh" vjg"
fgocpf"qp"vjg"fgdvqt="
*e+" *kp"vjg"ecug"qh"c"rgvkvkqp+"kh"vjg"fgdvqt"hcknu"vq"mggr"
vjg"crrqkpvogpv."cp"crrnkecvkqp"yknn"dg"ocfg"vq"vjg"
Eqwtv"hqt"cp"qtfgt"vjcv"ugtxkeg"dg"ghhgevgf"gkvjgt"d{"
cfxgtvkugogpv"qt"kp"uwej"qvjgt"ocppgt"cu"vjg"Eqwtv"
oc{"vjkpm"hkv0"
"
*5+" yjgp"cvvgpfkpi" cp{"crrqkpvogpv" ocfg"d{" ngvvgt."kpswkt{"
ujqwnf"dg"ocfg"cu"vq"yjgvjgt"vjg"fgdvqt"ku"uvknn"tgukfgpv"cv"
vjg" cfftguu" qt" uvknn" htgswgpvu" vjg" cfftguu." cpf1qt" qvjgt"
gpswktkgu"ujqwnf"dg"ocfg"vq"cuegtvckp"tgegkrv"qh"cnn"ngvvgtu"
nghv"hqt"vjgo0"Kh"vjg"fgdvqt"ku"cyc{."kpswkt{"ujqwnf"cnuq"dg"
ocfg"cu"vq"yjgp"vjg{"ctg"tgvwtpkpi"cpf"yjgvjgt"vjg"ngvvgtu"
ctg"dgkpi"hqtyctfgf" vq"cp"cfftguu" ykvjkp"vjg"lwtkufkevkqp"
*Gpincpf"cpf"Ycngu+"qt"gnugyjgtg0"
*6+" Kh" vjg" fgdvqt" ku" tgrtgugpvgf" d{" c" uqnkekvqt." cp" cvvgorv"
ujqwnf"dg" ocfg" vq" cttcpig" cp" crrqkpvogpv" hqt" rgtuqpcn"
ugtxkeg" vjtqwij" uwej" uqnkekvqt0" Vjg" Kpuqnxgpe{" Twngu"
rgtokv"c"uqnkekvqt" vq"ceegrv"ugtxkeg"qh" c"uvcvwvqt{"fgocpf"
qp"dgjcnh"qh"vjgkt"enkgpv"dwv"pqv"vjg"ugtxkeg"qh"c"dcpmtwrve{"
rgvkvkqp0"
"
340:"Xcnkfcvkqp"qtfgtu"
340:03" C"rgtuqp" cickpuv"yjqo" c"dcpmtwrve{" rgvkvkqp"jcu" dggp"rtgugpvgf"
oc{"crrn{"vq" vjg"Eqwtv"chvgt" rtgugpvcvkqp"qh"vjg" rgvkvkqp"hqt"tgnkgh"
htqo"vjg"ghhgevu"qh"u04:6*3+"Î"*5+"qh"vjg"Cev"d{"uggmkpi"cp"qtfgt"vjcv"
c" egtvckp" fkurqukvkqp" qt" fkurqukvkqpu" qh" vjcv" rgtuqpÓu" rtqrgtv{."
kpenwfkpi" rc{ogpvu" qwv" qh" vjgkt" dcpm" ceeqwpv" *yjgvjgt" uwej"
ceeqwpv"ku"kp"etgfkv"qt"qxgtftcyp+."ujcnn"pqv"dg"xqkf"kp"vjg"gxgpv"qh"
c" dcpmtwrve{" qtfgt" dgkpi" ocfg" cv" vjg" jgctkpi" qh" vjg" rgvkvkqp" *c"
xcnkfcvkqp"qtfgt+0"
340:04" Ucxg" kp" gzegrvkqpcn" ektewouvcpegu." pqvkeg" qh" vjg" ocmkpi" qh" vjg"
crrnkecvkqp" ujqwnf" dg" ikxgp" vq" *c+" vjg" rgvkvkqpkpi"etgfkvqt*u+" qt"
qvjgt" rgvkvkqpgt." *d+" cp{" etgfkvqt" yjq" jcu" ikxgp" pqvkeg" vq" vjg"
rgvkvkqpgt"qh"vjgkt"kpvgpvkqp"vq"crrgct"qp"vjg"jgctkpi"qh"vjg"rgvkvkqp"
rwtuwcpv"vq"twng"3203;."*e+"cp{"etgfkvqt"yjq"jcu"dggp"uwduvkvwvgf"cu"
rgvkvkqpgt" rwtuwcpv" vq" twng" 32049" cpf" *f+" cp{" etgfkvqt" yjq" jcu"
ecttkcig"qh"vjg"rgvkvkqp"rwtuwcpv"vq"twng"3204;0"
340:05" Vjg"crrnkecvkqp"ujqwnf"dg"uwrrqtvgf"d{"c"ykvpguu"uvcvgogpv"yjkej."
ucxg"kp"gzegrvkqpcn" ektewouvcpegu."ujqwnf"dg" ocfg"d{"vjg"fgdvqt0"
Kh" crrtqrtkcvg." uwrrqtvkpi" gxkfgpeg" kp" vjg" hqto" qh" c" ykvpguu"
uvcvgogpv"htqo"vjg"fgdvqtÓu"ceeqwpvcpv"ujqwnf"cnuq"dg"rtqfwegf0"
5;8" Personal Insolvency Practice"
"
340:06" Vjg"gzvgpv"cpf"eqpvgpvu"qh" vjg"gxkfgpeg"yknn"xct{"ceeqtfkpi"vq "vjg"
ektewouvcpegu" cpf" vjg" pcvwtg"qh" vjg" tgnkgh" uqwijv." dwv" kp" c" ecug"
yjgtg" vjg" fgdvqt" ku" vtcfkpi" qt" ectt{kpi" qp" dwukpguu" kv" ujqwnf"
kpenwfg."cu"c"okpkowo."vjg"hqnnqykpi"kphqtocvkqp
"
*3+" yjgp"cpf" vq"yjqo" pqvkeg"jcu" dggp"ikxgp" kp"ceeqtfcpeg"
ykvj"rctcitcrj"340:04"cdqxg="
*4+" dtkgh"fgvcknu" qh"vjg" ektewouvcpegu"ngcfkpi"vq" rtgugpvcvkqp"
qh"vjg"rgvkvkqp="
*5+" jqy"vjg" fgdvqt"dgecog" cyctg" qh"vjg" rtgugpvcvkqp"qh" vjg"
rgvkvkqp="
*6+" yjgvjgt"vjg" rgvkvkqp" fgdv"ku" cfokvvgf"qt" fkurwvgf" cpf."kh"
vjg"ncvvgt." dtkgh" fgvcknu"qh" vjg" dcuku"qp" yjkej" vjg"fgdv" ku"
fkurwvgf="
*7+" hwnn" fgvcknu" qh" vjg" fgdvqtÓu" hkpcpekcn" rqukvkqp" kpenwfkpi"
fgvcknu"qh"vjgkt"cuugvu"*kpenwfkpi"fgvcknu"qh"cp{"ugewtkv{"cpf"
vjg" coqwpv*u+" ugewtgf+" cpf" nkcdknkvkgu." yjkej" ujqwnf" dg"
uwrrqtvgf."cu" hct" cu" rquukdng." d{" fqewogpvct{" gxkfgpeg."
g0i0" ceeqwpvu." ftchv" ceeqwpvu." ocpcigogpv" ceeqwpvu" qt"
guvkocvgf"uvcvgogpv"qh"chhcktu="
*8+" c"ecuj"hnqy"hqtgecuv"cpf" rtqhkv"cpf"nquu"rtqlgevkqp"hqt" vjg"
rgtkqf"hqt"yjkej"vjg"qtfgt"ku"uqwijv="
*9+" fgvcknu"qh"vjg"fkurqukvkqpu"qt"rc{ogpvu"kp"tgurgev"qh"yjkej"
cp"qtfgt"ku"uqwijv="
*:+" vjg" tgcuqpu" tgnkgf" qp" kp" uwrrqtv" qh" vjg" pggf" hqt" uwej"
fkurqukvkqpu"qt"rc{ogpvu"vq"dg"ocfg="
*;+" cp{" qvjgt" kphqtocvkqp" tgngxcpv" vq" vjg" gzgtekug" qh" vjg"
EqwtvÓu"fkuetgvkqp="
*32+" fgvcknu" qh" cp{" eqpugpvu" qdvckpgf" htqo" vjg" rgtuqpu"
ogpvkqpgf" kp" rctcitcrj" 340:04" cdqxg" *uwrrqtvgf" d{"
fqewogpvct{"gxkfgpeg"yjgtg"crrtqrtkcvg+="
*33+" fgvcknu"qh"cp{"tgngxcpv"dcpm"ceeqwpv."kpenwfkpi"kvu"pwodgt"
cpf"vjg" cfftguu"cpf" uqtv"eqfg" qh"vjg" dcpm"cv" yjkej"uw ej"
ceeqwpv" ku" jgnf" cpf" vjg" coqwpv" qh" vjg" etgfkv" qt" fgdkv"
dcncpeg" qp" uwej" ceeqwpv" cv" vjg" vkog" qh" ocmkpi" vjg"
crrnkecvkqp0"
"
340:07" Yjgtg"cp" crrnkecvkqp"ku" ocfg" wtigpvn{"vq" gpcdng"rc{ogpvu" vq"dg"
ocfg"yjkej"ctg"guugpvkcn"vq"eqpvkpwgf"vtcfkpi"*g0i0"ycigu+"cpf"kv"ku"
pqv"rquukdng" vq" cuugodng" cnn"vjg" gxkfgpeg" nkuvgf"cdqxg." vjg" Eqwtv"
oc{"eqpukfgt" itcpvkpi" nkokvgf"tgnkgh" hqt" c"ujqtv" rgtkqf." dwv"vjgtg"
owuv"dg"uwhhkekgpv"gxkfgpeg"vq"ucvkuh{"vjg"Eqwtv"vjcv"vjg"kpvgtguvu"qh"
etgfkvqtu"ctg"wpnkmgn{"vq"dg"rtglwfkegf0"
340:08" Yjgtg" vjg" fgdvqt" ku" pqv" vtcfkpi" qt" ectt{kpi" qp" dwukpguu" cpf" vjg"
crrnkecvkqp" tgncvgu" qpn{" vq" c" rtqrqugf" ucng." oqtvicig" qt" tg/
oqtvicig" qh" vjg" fgdvqtÓu" jqog." gxkfgpeg" qh" vjg" hqnnqykpi" yknn"
igpgtcnn{"uwhhkeg
"
"Toolkit" 5;9"
"
*3+" yjgp"cpf" vq"yjqo" pqvkeg"jcu" dggp"ikxgp" kp"ceeqtfcpeg"
ykvj"340:04"cdqxg="
*4+" yjgvjgt"vjg" rgvkvkqp" fgdv"ku" cfokvvgf"qt" fkurwvgf" cpf."kh"
vjg"ncvvgt." dtkgh" fgvcknu"qh" vjg" dcuku"qp" yjkej" vjg"fgdv" ku"
fkurwvgf="
*5+" fgvcknu" qh" vjg" rtqrgtv{" vq" dg" uqnf." oqtvicigf" qt" tg/
oqtvicigf"*kpenwfkpi"kvu"vkvng"pwodgt+="
*6+" vjg"xcnwg" qh"vjg" rtqrgtv{"cpf" vjg"rtqrqugf" ucng"rtkeg."qt"
fgvcknu"qh"vjg"oqtvicig"qt"tg/oqtvicig="
*7+" fgvcknu" qh" cp{" gzkuvkpi" oqtvicigu" qt" ejctigu" qp" vjg"
rtqrgtv{"cpf"tgfgorvkqp"hkiwtgu="
*8+" vjg"equvu"qh"ucng"*g0i0"uqnkekvqtuÓ"qt"cigpvuÓ"equvu+="
*9+" jqy" cpf" d{" yjqo" cp{" pgv" rtqeggfu" qh" ucng" *qt" uwou"
eqokpi"kpvq"vjg"fgdvqtÓu"jcpfu"cu"c"tguwnv"qh"cp{"oqtvicig"
qt"tg/oqtvicig+"ctg"vq"dg"jgnf"rgpfkpi"vjg"hkpcn"jgctkpi"qh"
vjg"rgvkvkqp="
*:+" cp{" qvjgt" kphqtocvkqp" tgngxcpv" vq" vjg" gzgtekug" qh" vjg"
EqwtvÓu"fkuetgvkqp="
*;+" fgvcknu" qh" cp{" eqpugpvu" qdvckpgf" htqo" vjg" rgtuqpu"
ogpvkqpgf" kp" 340:04" cdqxg" *uwrrqtvgf" d{" fqewogpvct{"
gxkfgpeg"yjgtg"crrtqrtkcvg+0"
"
340:09" Yjgvjgt"qt"pqv"vjg"fgdvqt"ku"vtcfkpi"qt"ectt{kpi"qp"dwukpguu."yjgtg"
vjg" crrnkecvkqp" kpxqnxgu" c" fkurqukvkqp"qh" rtqrgtv{" vjg" Eqwtv" yknn"
pggf"vq"dg" ucvkuhkgf"vjcv"cp{"rtqrqugf" fkurqucn"yknn"dg" cv"c"rtqrgt"
xcnwg0" Cp" kpfgrgpfgpv" xcnwcvkqp" ujqwnf" dg" qdvckpgf" hqt" vjku"
rwtrqug"cpf"gzjkdkvgf"vq"vjg"gxkfgpeg0"
340:0:" Vjg"Eqwtv" yknn"pggf" vq" dg"ucvkuhkgf" d{"etgfkdng" gxkfgpeg"vjcv" vjg"
fgdvqt"ku"uqnxgpv"cpf"cdng"vq"rc{"vjgkt"fgdvu"cu"vjg{"hcnn"fwg"qt"vjcv"
c"rctvkewnct"vtcpucevkqp"qt"ugtkgu"qh"vtcpucevkqpu"kp"tgurgev"qh"yjkej"
vjg"qtfgt" ku" uqwijv"yknn" dg"dgpghkekcn" vq"qt" yknn"pqv" rtglwfkeg"vjg"
kpvgtguvu"qh"cnn"vjg"wpugewtgf"etgfkvqtu"cu"c"encuu0"
340:0;" C"ftchv"qh"vjg"qtfgt"ujqwnf"ceeqorcp{"vjg"crrnkecvkqp0"
340:032" Ukoknct"eqpukfgtcvkqpu"vq"vjqug"ugv"qwv" cdqxg"ctg"nkmgn{"vq"crrn{"vq"
crrnkecvkqpu"uggmkpi" tcvkhkecvkqp"qh"c" vtcpucevkqp"qt" rc{ogpv"chvgt"
vjg"ocmkpi"qh"c"dcpmtwrve{"qtfgt0"
"
350"Crrnkecvkqpu"
3503"Kp" ceeqtfcpeg" ykvj" twng" 3404*4+."kp" vjg" Tq{cn" Eqwtvu" qh"Lwuvkeg" cp" qhhkegt"
cevkpi" qp" dgjcnh" qh" vjg" Qrgtcvkqpu" Ocpcigt" qt" ejkgh" engtm" jcu" dggp"
cwvjqtkugf"vq"fgcn"ykvj"crrnkecvkqpu
"
*3+" d{" rgvkvkqpkpi" etgfkvqtu" vq" gzvgpf" vjg" vkog" hqt" jgctkpi" rgvkvkqpu""
*twng"32044+="
*4+" d{"vjg"qhhkekcn"tgegkxgt
"
"
5;:" Personal Insolvency Practice"
"
*c+" vq"vtcpuhgt"rtqeggfkpiu"htqo"vjg"Jkij"Eqwtv"vq"c"urgekhkgf"jgctkpi"
egpvtg"ykvjkp"vjg"ogcpkpi"qh"twng"340520"
*d+" vq"cogpf"vjg"vkvng"qh"vjg"rtqeggfkpiu"*twng"320387+0"
"
3504"Qwvukfg"qh"vjg"Tq{cn"Eqwtvu"qh"Lwuvkeg."crrnkecvkqpu"nkuvgf"kp"rctcitcrj"3503"
owuv" dg" ocfg" vq" c" Fkuvtkev" Lwfig" Ukvvkpi" kp" c"F kuvtkev" Tgikuvt{"qt"kp"vjg"
Eqwpv{"Eqwtv"vq"c"Fkuvtkev"Lwfig0"
3505"Yjgtg" cp" crrnkecvkqp" ku" vq" dg" ocfg" wpfgt" 3503*4+*c+" cdqxg."vjg"qhhkekcn"
tgegkxgt"owuv"eqorn{"ykvj"twng"34054."cpf"ikxg"cp{"kpewodgpv"qhhkeg/jqnfgt"
36"fc{uÓ"ytkvvgp"pqvkeg"qh"vjg"crrnkecvkqp0"
"
360"Qtfgtu"ykvjqwv"cvvgpfcpeg"
3603" Kp"uwkvcdng"ecugu"vjg" Eqwtv"yknn"pqtocnn{"dg" rtgrctgf"vq"ocmg"qtfgtu" wpfgt"
Rctv" XKKK" qh" vjg" Cev" *Kpfkxkfwcn" Xqnwpvct{" Cttcpigogpvu+." ykvjqwv" vjg"
cvvgpfcpeg"qh"vjg"rctvkgu."rtqxkfgf"vjgtg"ku"pq"dcpmtwrve{"qtfgt"kp"gzkuvgpeg"
cpf"*uq"hct"cu"ku"mpqyp+"pq"rgpfkpi"rgvkvkqp0"Vjg"qtfgtu"ctg
"
*3+" C" 36" fc{" kpvgtko" qtfgt" cflqwtpkpi" vjg"crrnkecvkqp" hqt" 36" fc{u" hqt"
eqpukfgtcvkqp"qh"vjg" pqokpggÓu"tgrqtv."yjgtg" vjg"rcrgtu"ctg" kp"qtfgt."
cpf"vjg"pqokpggÓu"ukipgf"eqpugpv"vq"cev"kpenwfgu"c"yckxgt"qh"pqvkeg"qh"
vjg" crrnkecvkqp" qt" vjg" eqpugpv" d{" vjg" pqokpgg" vq" vjg"ocmkpi" qh" cp "
kpvgtko"qtfgt"ykvjqwv"cvvgpfcpeg0"
*4+" C"uvcpfctf"qtfgt" qp"eqpukfgtcvkqp"qh"vjg" pqokpggÓu"tgrqtv."gzvgpfkpi"
vjg" kpvgtko"qtfgt" vq" c" fcvg" ugxgp" yggmu" chvgt" vjg" rtqrqugf" fgekukqp"
fcvg." fktgevkpi" vjg" korngogpvcvkqp" qh" vjg" fgekukqp" rtqegfwtg" cpf"
cflqwtpkpi"vq"c"fcvg"cdqwv"vjtgg"yggmu"chvgt"vjg"fgekukqp"fcvg0"Uwej"cp"
qtfgt"oc{"dg"ocfg"ykvjqwv"cvvgpfcpeg"kh"vjg"pqokpggÓu"tgrqtv"jcu"dggp"
fgnkxgtgf" vq" vjg" Eqwtv" cpf" eqornkgu" ykvj" u0478*3+" qh" vjg" Cev." cpf"
rtqrqugu"c"fgekukqp"fcvg"pqv"nguu" vjcp"36"fc{u"htqo"vjcv"qp"yjkej" vjg"
pqokpggÓu" tgrqtv" ku" hkngf" kp" Eqwtv" wpfgt" twng" :037." pqt" oqtg" vjcp""
4:"fc{u"htqo"vjcv"qp"yjkej"vjcv"tgrqtv"ku"eqpukfgtgf"d{"vjg"Eqwtv"wpfgt"
twng":03:0"
*5+" C" ÒeqpegtvkpcÓ"qtfgt." eqodkpkpi" qtfgtu" cu" wpfgt" *3+" cpf" *4+" cdqxg0"
Uwej"cp"qtfgt"oc{"dg"ocfg"ykvjqwv"cvvgpfcpeg"kh"vjg"kpkvkcn"crrnkecvkqp"
hqt"cp"kpvgtko"qtfgt"ku"ceeqorcpkgf"d{"c"tgrqtv"qh"vjg"pqokpgg"cpf"vjg"
eqpfkvkqpu"ugv"qwv"kp"*3+"cpf"*4+"cdqxg"ctg"ucvkuhkgf0"
*6+" C" hkpcn" qtfgt" qp" eqpukfgtcvkqp" qh" vjg" tgrqtv" qh" vjg" etgfkvqtuÓ"
eqpukfgtcvkqp" qh" vjg" rtqrqucn0" Uwej" cp" qtfgt" oc{" dg" ocfg" ykvjqwv"
cvvgpfcpeg"kh"vjg"tgrqtv"jcu"dggp"hkngf"cpf"eqornkgu"ykvj"twng":0460"Vjg"
qtfgt"yknn"tgeqtf"vjg"ghhgev"qh"vjg"tgrqtv"cpf"oc{"fkuejctig"vjg"kpvgtko"
qtfgt0"
"
3604"Rtqxkfgf" vjcv" vjg" eqpfkvkqpu" wpfgt" uwd/rctcitcrju" 3603*4+" cpf" 3603 *6+"
cdqxg"ctg"ucvkuhkgf"cpf"vjcv"vjg"crrtqrtkcvg"tgrqtv"j cu"dggp"nqfigf"ykvj"vjg"
Eqwtv" kp" fwg" vkog" vjg" rctvkgu" pggf" pqv" cvvgpf" qt" dg" tgrtgugpvgf"qp"vjg"
cflqwtpgf"jgctkpi"hqt"eqpukfgtcvkqp"qh"vjg"pqokpggÓu"tgrqtv"qt"qh"vjg"tgrqtv"
qh"vjg"etgfkvqtuÓ"ikxkpi" eqpukfgtcvkqp"qh"vjg"rtqrqucn" *cu"vjg"ecug"oc{"dg+."
wpnguu" vjg{" ctg" pqvkhkgf" d{" vjg" Eqwtv"vjcv" cvvgpfcpeg" ku" tgswktgf0" Ugcngf"
"Toolkit" 5;;"
"
eqrkgu"qh"vjg"qtfgt"ocfg"*kp"cnn"hqwt"ecugu"kp"rctcitcrj"3603"cdqxg+"yknn"dg"
rquvgf"d{"vjg"Eqwtv"vq"vjg"crrnkecpv"qt"vjgkt"uqnkekvqt"cpf"vq"vjg"pqokpgg0"
3605"Kp" uwkvcdng"ecugu"vjg"Eqwtv"oc{"ocmg"eqpugpv"qtfgtu"ykvjqwv"cvvgpfcpeg"d{"
vjg"rctvkgu0"Vjg"ytkvvgp"eqpugpv"qh"vjg"rctvkgu"gpfqtugf"qp"vjg"eqpugpv"qtfgt"
yknn"dg"tgswktgf0"Gzcorngu"qh"uwej"qtfgtu"ctg"cu"hqnnqyu
"
*3+" qp"crrnkecvkqpu"vq"ugv"cukfg"c"uvcvwvqt{"fgocpf."qtfgtu
"
*c+" fkuokuukpi"vjg"crrnkecvkqp." ykvj"qt"ykvjqwv" cp"qtfgt"hqt"equvu" cu"
oc{"dg"citggf"*rgtokuukqp" yknn"dg"ikxgp"vq"rtgugpv" c"rgvkvkqp"qp"
qt"chvgt"vjg"ugxgpvj"fc{"chvgt"vjg"fcvg"qh"vjg"qtfgt."wpnguu"c"
fkhhgtgpv"fcvg"ku"citggf+="
*d+" ugvvkpi"cukfg" vjg" fgocpf."ykvj" qt"ykvjqwv" cp"q tfgt"hqt" equvu"cu"
oc{"dg"citggf0"
"
*4+" Qp"rgvkvkqpu"yjgtg"vjgtg" ctg"pq"uwrrqtvkpi"qt"qrrqukpi" etgfkvqtu"*ugg"
twng" 3203;+." cpf" vjgtg" ku" c" uvcvgogpv"ukipgf" d{" qt" qp" d gjcnh"qh"vjg"
rgvkvkqpkpi"etgfkvqt"eqphktokpi"vjcv"pq"pqvkegu"jcxg"dggp"tgegkxgf"htqo"
uwrrqtvkpi"qt"qrrqukpi"etgfkvqtu."qtfgtu
"
*c+" fkuokuukpi"vjg"rgvkvkqp."ykvj"qt"ykvjqwv"cp"qtfgt"hqt"equvu"cu"oc{"
dg"citggf="qt"
*d+" kh"vjg"rgvkvkqp"jcu"pqv"dggp"ugtxgf."ikxkpi"rgtokuukqp"vq"ykvjftcy"
vjg"rgvkvkqp"*ykvj"pq"qtfgt"hqt"equvu+0"
"
*5+" Qp"qvjgt"crrnkecvkqpu"qt"qtfgtu
"
*c+" hqt"ucng"qh"rtqrgtv{."rquuguukqp"qh"rtqrgtv{."fkurqucn"qh"rtqeggfu"
qh"ucng="
*d+" ikxkpi"kpvgtko"fktgevkqpu="
*e+" fkuokuukpi"vjg"crrnkecvkqp." ykvj"qt"ykvjqwv" cp"qtfgt"hqt"equvu" cu"
oc{"dg"citggf="
*f+" ikxkpi"rgtokuukqp"vq"ykvjftcy"vjg"crrnkecvkqp."ykvj"qt"ykvjqwv"cp"
qtfgt"hqt"equvu"cu"oc{"dg"citggf0"
"
3606"Kh." cu" oc{" qhvgp"dg" vjg" ecug"ykvj"qtfgtu"wpfgt"uwd/rctcitcrju"5*c+" qt"*d+"
cdqxg."cp"cflqwtpogpv"ku"tgswktgf."yjgvjgt"igpgtcnn{"ykvj"nkdgtv{"vq"tguvqtg"
qt" vq" c" hkzgf" fcvg." vjg" qtfgt" d{" eqpugpv" oc{" kpenwfg" cp" qtfgt" hqt" vjg"
cflqwtpogpv0"Kh"cflqwtpogpv" vq"c"fcvg" ku"tgswguvgf."c"vkog" guvkocvg"ujqwnf"
dg"ikxgp"cpf"vjg" Eqwtv"yknn"hkz" vjg"hktuv"cxckncdng"fcvg" cpf"vkog"qp"qt" chvgt"
vjg"fcvg"tgswguvgf0"
3607"Vjg" cdqxg" nkuvu" ujqwnf" pqv" dg" tgictfgf" cu" gzjcwuvkxg." pqt" ujqwnf" kv" dg"
cuuwogf"vjcv"cp"qtfgt"yknn"dg"ocfg"ykvjqwv"cvvgpfcpeg"cu"tgswguvgf0"
3608"Crrnkecvkqpu"hqt"eqpugpv"qtfgtu"ykvjqwv"cvvgpfcpeg"ujqwnf"dg"nqfigf"cv"ngcuv"
vyq"engct"yqtmkpi"fc{u"*cpf"rtghgtcdn{"nqpigt+"dghqtg"cp{"jgctkpi"fcvg0"
3609"Yjgpgxgt" c" fqewogpv" ku" nqfigf" qt" c" ngvvgt" ugpv." vjg" eqttgev" ecug" pwodgt"
ujqwnf"dg" swqvgf0"C" pqvg"ujqwnf"cnuq" dg"ikxgp" qh"vjg" fcvg"cpf" vkog"qh"vjg"
pgzv"jgctkpi"*kh"cp{+0"
622" Personal Insolvency Practice"
"
370"Dcpmtwrve{"tguvtkevkqpu"wpfgtvcmkpiu"
3703"Yjgtg" c" dcpmtwrv" jcu" ikxgp" c" dcpmtwrve{" tguvtkevkqpu" wpfgtvcmkpi." vjg"
Ugetgvct{"qh"Uvcvg" qt"qhhkekcn"tgegkxgt"owuv" hkng"c"eqr{" kp"Eqwtv"cpf"ugpf"c"
eqr{" vq" vjg" dcpmtwrv" cu" uqqp" cu" tgcuqpcdn{" rtcevkecdng" *twng" 33033+0" Kp"
cffkvkqp"vjg" Ugetgvct{"qh"Uvcvg" owuv"pqvkh{" vjg"Eqwtv" koogfkcvgn{"vjcv"vjg"
dcpmtwrv"jcu"ikxgp" uwej"cp"wpfgtvcmkpi"kp" qtfgt"vjcv"cp{" jgctkpi"fcvg"ecp"
dg"xcecvgf0"
"
380"Rgtuqpu"cv"tkum"qh"xkqngpeg"
3803"Yjgtg" cp"crrnkecvkqp" ku"ocfg"rwtuwcpv" vq"twngu":08." 4204."4205."4206."4207."
4208"qt"qvjgtykug"vq"nkokv"fkuenquwtg"qh"kphqtocvkqp"cu"vq"c" rgtuqpÓu"ewttgpv"
cfftguu" d{" tgcuqp" qh" vjg" rquukdknkv{" qh" xkqngpeg." vjg"tgngxcpv" crrnkecvkqp"
ujqwnf"dg"ceeqorcpkgf"d{"c"ykvpguu"uvcvgogpv"yjkej"kpenwfgu"vjg"hqnnqykpi
"
*3+" Vjg"itqwpfu"wrqp"yjkej"kv" ku"eqpvgpfgf"vjcv"fkuenquwtg"qh" vjg"ewttgpv"
cfftguu"cu"f ghkpgf"d{"twng" 4203"okijv"tgcuqpcdn{" dg"gzrgevgf"vq" ngcf"
vq"xkqngpeg" cickpuv"vjg" fgdvqt"qt"c "rgtuqp"yjq" pqtocnn{"tgukfgu" ykvj"
vjgo"cu"c"ogodgt"qh"vjgkt"hcokn{"qt"yjgtg"crrtqrtkcvg"cp{"qvjgt"rgtuqp0"
*4+" Yjgtg"vjg"crrnkecvkqp"ku" ocfg"kp"tgurgev"qh"vjg"cfftguu" qh"vjg"fgdvqt."
vjg"fgdvqtÓu"rtqrqucnu"ykvj"tgictf"vq"kphqtocvkqp"yjkej"oc{"uchgn{"dg"
ikxgp"vq" rqvgpvkcn" etgfkvqtu" kp" qtfgt" vjcv" vjg{" ecp" tgeqipkug" vjcv" vjg"
fgdvqt" ku" c" rgtuqp"yjq" oc{" dg" kpfgdvgf" vq" vjgo." kp" rctvkewnct" vjg"
cfftguu"cv"yjkej" vjg"fgdvqt"rtgxkqwun{"tgukfgf" qt"ecttkgf"qp" dwukpguu"
cpf"vjg"pcvwtg"qh"uwej"dwukpguu0"
*5+" Vjg" vgtou" qh" vjg"qtfgt" uqwijv" d{" vjg" crrnkecpv" d{" tghgtgpeg"vq"vjg"
EqwtvÓu" rctvkewnct" rqygtu"cu"ugv"qwv"kp"vjg"twng"wpfgt"yjkej"vjg"
crrnkecvkqp" ku" ocfg" cpf." wpnguu" kortcevkecdng." c" ftchv" qh" vjg" qtfgt"
uqwijv0"
*6+" Yjgtg" vjg" crrnkecvkqp" ku" ocfg" d{" vjg"fgdvqt" kp" tgurgev" qh" yjqo" c"
pqokpgg" qt" uwrgtxkuqt" jcu" dggp" crrqkpvgf" qt" cickpuv" yjqo" c"
dcpmtwrve{" qtfgt" jcu" dggp" ocfg." gxkfgpeg" qh" vjg" eqpugpv" qh" vjg"
pqokpgg1uwrgtxkuqt."qt."kp"vjg"ecug"qh"dcpmtwrve{."vjg"qhhkekcn"tgegkxgt"
qt"cp{" qvjgt" rgtuqp"crrqkpvgf" cu" vtwuvgg"kp" dcpmtwrve{0"Yjgtg" uwej"
eqpugpv" ku" pqv" cxckncdng" vjg" uvcvgogpv" owuv" kpfkecvg" yjgvjgt" uwej"
eqpugpv"jcu"dggp"tghwugf0"
"
3804"Cp{"rgtuqp"nkuvgf"kp"3803*6+"ujcnn"dg"ocfg"c"tgurqpfgpv"vq"vjg"crrnkecvkqp0"
3805"Vjg" crrnkecvkqp" ujcnn" dg" tghgttgf" vq" c" Fkuvtkev" Lwfig" Ukvvkpi" kp" c" Fkuvtkev"
Tgikuvt{." KEE" Lwfig." qt" Jkij" Eqwtv" Lwfig" yjgtg" kv" yknn" dg" eqpukfgtgf"
ykvjqwv"c"jgctkpi" kp"vjg"h ktuv"kpuvcpeg"dwv" ykvjqwv"rtglwfkeg" vq"vjg"tkijv" qh"
vjg"Eqwtv"vq"nkuv"kv"hqt"jgctkpi"kh
"
*3+" vjg"Eqwtv"ku" pqv"rgtuwcfgf"d{" vjg"ytkvvgp"gxkfgpeg."cpf" eqpugswgpvn{"
oc{"tghwug"vjg"crrnkecvkqp="
*4+" vjg"eqpugpv"qh"cp{"tgurqpfgpv"ku"pqv"cvvcejgf="qt"
*5+" vjg" Eqwtv" ku" qh" vjg" xkgy" vjcv" vjgtg" ku" cpqvjgt" tgcuqp" yj{" nkuvkpi""
ku"crrtqrtkcvg0"
"
"Toolkit" 623"
"
Vgorqtct{"Kpuqnxgpe{"Rtcevkeg"Fktgevkqp"Uwrrqtvkpi"vjg"
Kpuqnxgpe{"Rtcevkeg"Fktgevkqp"
Kpvtqfwevkqp"
30" Vjku"Kpuqnxgpe{" Rtcevkeg"Fktgevkqp" ku"kpvgpfgf" vq"tgvckp" vjqug"rctvu"qh"vjg"
rtgxkqwu" Vgorqtct{" Rtcevkeg" Fktgevkqp" vjcv" ygtg" pqv" eqpegtpgf" ykvj"
yqtmcdng" uqnwvkqpu" hqt" eqwtv" wugtu" fwtkpi" vjg" EQXKF/3;"rcpfgoke"cpf"
yjkej" eqog" vq" cp" gpf" wpfgt" UK" cv" vjg" gpf" qh" Ugrvgodgt" 42430" Vjqug"
gngogpvu"ygtg" eqpegtpgf" ykvj" rgtocpgpv" ejcpigu" vq" vjg" yc{" kpuqnxgpe{"
dwukpguu"ku"jcpfngf"kp"vjg"eqwtvu."cpf"kpenwfg
"
*3+" vjg"qwv"qh"jqwtu"crrqkpvogpv"qh"cfokpkuvtcvqtu="
*4+" vjg"rtqxkukqpu"tgncvkpi"vq"ocmkpi"uvcvwvqt{"fgekukqpu"tgoqvgn{="cpf"
*5+" vjg"vkog"qh"qdvckpkpi"c"oqtcvqtkwo."yjkej"pggf"vq"eqpvkpwg"wpvkn"uwej"
vkog"*kh"cv"cnn+"cu"vjg{"ctg"cfftguugf"d{"uwduvcpvkxg"twng"ejcpigu0"
"
Ceegrvcpeg" Dgctu"vjg"ogcpkpi"cuetkdgf"d{"rctcitcrj"705*3+"qh"ERT""
RF"73Q"
Cev" Vjg"Kpuqnxgpe{"Cev"3;:8"
Dwukpguu"Fc{" Cp{"fc{"qvjgt"vjcp"c"Ucvwtfc{."c"Uwpfc{."Ejtkuvocu"Fc{."
Iqqf"Htkfc{"qt"c"fc{"vjcv"ku"c"dcpm"jqnkfc{"kp"cp{"rctv"qh"
Gpincpf"("Ycngu"
EG/Hkng" Tghgtu"vq"vjg"EqwtvÓu"Gngevtqpke"Yqtmkpi"rqtvcn"cpf"ÒEG/
HknkpiÓ"ogcpu"vjg"hknkpi"ykvj"vjg"eqwtv"qh"cp{"fqewogpv"
wukpi"Gngevtqpke"Yqtmkpi"
Hknkpi"Uwdokuukqp"Gockn" Vjg"gockn"tghgttgf"vq"cv"rctcitcrj"705*3+"qh"ERT"RF"73Q."
igpgtcvgf"d{"cwvqocvke"pqvkhkecvkqp"hqnnqykpi"uwdokuukqp""
qh"c"fqewogpv"wukpi"Gngevtqpke"Yqtmkpi."yjkej"gockn"
cempqyngfigu"vjcv"vjg"fqewogpv"jcu"dggp"uwdokvvgf"
OKRF"4243" Vjku"Rtcevkeg"Fktgevkqp"
RF73Q" ERT"Rtcevkeg"Fktgevkqp"73Q"Î"Vjg"Gngevtqpke"Yqtmkpi"Rknqv"
Uejgog"yjkej"uwrrngogpvu"ERT"707"cpf"ERT"9034"
Twng"qt"Twngu" Vjg"Kpuqnxgpe{"*Gpincpf"cpf"Ycngu+"Twngu"4238"
"
Eqokpi"kpvq"hqteg"
40" Vjku" OKRF" 4243" crrnkgu" vq" cnn" kpuqnxgpe{" rtqeggfkpiu" vjtqwijqwv" vjg"
Dwukpguu"cpf" Rtqrgtv{"Eqwtvu." uwdlgev"vq" cp{"xctkcvkqpu" cu"fktgevgf" d{"*kp"
Nqpfqp+" vjg" Ejkgh" Kpuqnxgpe{" cpf" Eqorcpkgu" Eqwtv" Lwfig" qt" *qwvukfg"
Nqpfqp+"vjg"tgngxcpv"Uwrgtxkukpi"Lwfig0"Kv"yknn"eqog"kpvq"hqteg"qp"vjg"ncrug"
qh"vjg"rtcevkeg" fktgevkqp"ocfg"qp"52" Lwpg"4243"cpf"tgockp" kp"hqteg"wpnguu"
cogpfgf"qt"tgxqmgf"d{"c"hwtvjgt"kpuqnxgpe{"rtcevkeg"fktgevkqp0"
""
624" Personal Insolvency Practice"
"
4603" DNCPM"CRRNKECVKQP"HQTO"
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



















"Toolkit" 625"
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












 












ｷﾐW"ｴW"ﾐ;ﾏW"ﾗa"ｴW"ｷﾐW"
ｴﾗ"ｴ;"ﾗｷSWS"WｷSWﾐIW"ｷﾐ"ﾗ";ﾐS"ｴW"S;W"ﾗa"ｴW";WﾏWﾐ



















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










 









 
 

"
626" Personal Insolvency Practice"
"



















";SSW"ﾗa"Iﾗ"ﾗ"ｴW;ｷﾐｪ"IWﾐW
"Toolkit" 627"
"
4604" EGTVKHKECVG"QH"WTIGPE["








  
  
 
 

 

 
 
 

628" Personal Insolvency Practice"
"
4605" DCPMTWRVE["RGVKVKQP"QP"FGHCWNV"QH"C"
XQNWPVCT["CTTCPIGOGPV"




 























 
      
















              












"Toolkit" 629"
"


 

































 















"
62:" Personal Insolvency Practice"
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





 







     


 

 








 
 


"Toolkit" 62;"
"
4606" ETGFKVQTÓU"DCPMTWRVE["RGVKVKQP"QP"
HCKNWTG"VQ"EQORN["YKVJ"C"UVCVWVQT["
FGOCPF"HQT"C"NKSWKFCVGF"UWO"RC[CDNG"
CV"C"HWVWTG"FCVG"

























































632" Personal Insolvency Practice"
"












 













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









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"Toolkit" 633"
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 

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 



 




 
 


















 

 
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










634" Personal Insolvency Practice"
"
4607" ETGFKVQTÓU"DCPMTWRVE["RGVKVKQP"QP"
HCKNWTG"VQ"EQORN["YKVJ"C"UVCVWVQT["
FGOCPF"HQT"C"NKSWKFCVGF"UWO"RC[CDNG"
KOOGFKCVGN["





 




















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
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

 
      

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






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



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            
"Toolkit" 635"
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
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


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



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
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
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
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


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
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


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


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
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


























636" Personal Insolvency Practice"
"









 



 




 
      







 






     


 

 









 

""
"Toolkit" 637"
"
4608" ETGFKVQTÓU"DCPMTWRVE["RGVKVKQP"YJGTG"
GZGEWVKQP"QT"QVJGT"RTQEGUU"QP"C"
LWFIOGPV"JCU"DGGP"TGVWTPGF"KP"YJQNG"
QT"RCTV"





 






























 
      














            
638" Personal Insolvency Practice"
"















 
 












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
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


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
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 
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
 

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 
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 

"Toolkit" 639"
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 
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

 
     








 






     


 

 









 


63:" Personal Insolvency Practice"
"
4609" FGDVQTÓU"PQVKEG"QH"QRRQUKVKQP"



 














 
 

"Toolkit" 63;"
"
460:" NKUV"QH"CRRGCTCPEGU"



























642" Personal Insolvency Practice"
"
460;" PQVKEG"QH"RGTUQPU"KPVGPFKPI"VQ"CRRGCT"



 

































 


"

"Toolkit" 643"
"
46032" UVCVWVQT["FGOCPF"WPFGT""
UGEVKQP"48:*3+*C+"QH"VJG"KPUQNXGPE["CEV"
3;:80"FGDV"HQT"NKSWKFCVGF"UWO"RC[CDNG"
KOOGFKCVGN["HQNNQYKPI"C"LWFIOGPV"QT"
QTFGT"QH"VJG"EQWTV"







"

"

"


"



"

"


"


"

"







644" Personal Insolvency Practice"
"





























"Toolkit" 645"
"










646" Personal Insolvency Practice"
"

























 


 





"Toolkit" 647"
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"


"


"










 
 
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648" Personal Insolvency Practice"
"
46033" UVCVWVQT["FGOCPF"HQT"C"NKSWKFCVGF"UWO"






"

"

"


"



"

"


"


"

"











"Toolkit" 649"
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









































64:" Personal Insolvency Practice"
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



















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
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 





"


"

"Toolkit" 64;"
"

"










 
 
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652" Personal Insolvency Practice"
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46034" UVCVWVQT["FGOCPF"HQT"C"FGDV"RC[CDNG"
CV"C"HWVWTG"FCVG"





"

"

"


"



"

"


"


"

"











"Toolkit" 653"
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































654" Personal Insolvency Practice"
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
























 


 





"Toolkit" 655"
"
"


"


"










 
 
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656" Personal Insolvency Practice"
"
46035" NKUVKPI"EGTVKHKECVG"HQT"C"PQP/
CVVGPFCPEG"RTG"VTKCN"TGXKGY"













"
ぷﾐ;ﾏW";ﾐS";SSWへ"
1ﾗﾐaｷﾏ"ﾗﾐ"HWｴ;ﾉa"ﾗa"ｴW"vWｷｷﾗﾐWっyWﾗﾐSWﾐ";"aﾗﾉﾉﾗぎ"

 
 
d;ﾏW"ﾗa"ｷﾐW7;W"ﾗa"ｷﾐW"
;WﾏWﾐ
7;W"aｷﾉWS
  
     
   

 
 

 

"Toolkit" 657"
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 
 
 




dﾗW





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