DSA Course
Proposed Debt Settlement Arrangement
Where the personal insolvency practitioner has proposed a Debt Settlement Arrangement or Personal Insolvency Arrangement to which the debtor consents, the PIP is to convene a meeting for the purpose of consideration of the proposal.
The Minister may make regulations relating to the holding of creditors meetings, which may provide for the holding of a meeting in circumstances where not all of the creditors are present in the same venue, the voting process including providing for the communication of creditors’ votes to the personal insolvency practitioner by telephony or electronically, and the appointment of proxies to vote at such meetings.
The venue for the holding of a creditors’ meeting shall be situated within the State. 14 days’ notice is required. The period of notice of the meeting of creditors may be waived or abridged where the consent of all the creditors to such waiver or abridgement is given in writing.
The Insolvency Service may prepare guidelines for practitioners in relation to the procedures and documentation required. It may prepare a model form of Personal Insolvency Arrangement to which the insolvency practitioner must have regard.
Where the creditors’ meeting does not take place before the expiry of the protective certificate, the Debt Settlement Arrangement or Personal Insolvency Arrangement procedure is treated as having been concluded.
Documents to be Furnished to Creditors
The notice must be given to each creditor, together with copies of the proposed Debt Settlement Arrangement or Personal Insolvency Arrangement. Regulations may set out further information which must be included.
At least 14 days’ notice of the meeting is to be given. It is to include details of the time and place and the details below. A copy of the notice must be lodged with the Insolvency Service.
The documents to be furnished with the notice to creditors are to include
- a completed statement of the debtor’s financial affairs showing the position in the form of the prescribed financial statement;
- the terms of the proposed arrangement;
- the below-mentioned statement of the PIP
- the below mentioned reports of the PIP
The PIP’s Report
The report of the personal insolvency practitioner is to describe
- the outcome for creditors and state, having regard to the financial circumstances of the debtor, whether or not the proposed Debt Settlement Arrangement represents a fair outcome for the creditors;
- where relevant, how that financial outcome for creditors, (whether individually or as a member of a class of creditors) under the terms of the proposal is likely to be better than the estimated financial outcome for such creditors if the debtor was to be adjudicated a bankrupt (having regard to, amongst other things, the estimated costs of the bankruptcy process;
- whether or not he or she is of the opinion that the debtor is reasonably likely to be able to comply with the terms of the proposed Debt Settlement Arrangement.
PIP’s Statement
The statement by the personal insolvency practitioner to the effect that—
- he or she has been instructed by the debtor to act as a personal insolvency practitioner in connection with the Debt Settlement Arrangement procedure,
- he or she has consented to so act and that he or she is a person entitled to act as a personal insolvency practitioner,
- he or she has advised the debtor in accordance with the legislation of the debtor’s options for managing his financial difficulties;
- he or she is not aware of any reasonable grounds to believe that the information contained in the debtor’s prescribed financial statement is not complete and accurate, and
- he or she is of the opinion that the debtor satisfies the eligibility criteria for the proposal of a Debt Settlement Arrangement,
Where the debtor’s position changes materially, the debtor must inform the practitioner, who if necessary is to assist the debtor in completing a new financial statement. A copy is to be furnished to the Insolvency Service.
Modification of Proposal
A proposal for a Personal Insolvency Arrangement may be modified where it is necessary to address an ambiguity or rectifies an error. It may be modified where proposed by the creditor or insolvency practitioner and where the debtor consents to the modification.
Where a revised proposal is made, the creditors must be given notice of the adjourned meeting and furnished with the amended proposals. One adjournment only is permitted during the course of the protective certificate. At least 7 days’ notice must be given of the adjourned meeting.
The personal insolvency practitioner may, where he or she believes it is in the interests of obtaining approval of a proposed Debt Settlement Arrangement by the creditors at the meeting, adjourn the meeting and, with the consent in writing of the debtor, and prepare an amended proposal for a Debt Settlement Arrangement.
Meeting of Creditors
The creditors’ meeting, having considered the proposal for a Debt Settlement Arrangement shall vote, either by voting in favour or against the approval of the proposed arrangement.
Where, on the taking of a vote, the proposal is not approved or deemed to have been approved, the Debt Settlement Arrangement procedure shall be deemed to have come to an end, and the protective certificate issued shall cease to have effect.
The proposal for a Debt Settlement Arrangement may, before the proposal has been voted upon, be subject to a proposal for a modification where the modification addresses an ambiguity or rectifies an error and the modification has been proposed by a creditor or the personal insolvency practitioner, and the debtor gives his or her written consent to the modification.
Adjournment for Amended Proposal
Where the personal insolvency practitioner prepares an amended proposal for a Debt Settlement Arrangement he or she shall notify the debtor of the date on which, and time and place at which, the adjourned meeting will be held. He must lodge a copy of the notice and a copy of the amended proposal with the Insolvency Service.
At least 7 days’ notice of the adjourned meeting must be given to all of the creditors unless they agree in writing to receive a shorter period of notice. It must notify each creditor of the date on which, and time and place at which, the adjourned meeting will be held. It must be accompanied by a copy of the amended proposal.
An adjournment for the purpose of preparing an amended proposal for a Debt Settlement Arrangement may occur once only in the course of the period of validity of a protective certificate (including any extension of such period).
Voting
The voting rights of creditors at meetings is to be proportionate to the value of debts owed by the debtor to that creditor on the date on which the protective certificate issued. Amounts in foreign currency are converted on that date. Persons who appear to be entitled to vote may be permitted to vote. There is provision for proxies.
Creditors who are protected such as family maintenance, tax (see the excluded debts) may not vote at the creditors meeting in respect of those debts.A preferred creditor is not entitled to vote unless it waives its preference.
A connected person may not vote in favour of the arrangement, at a creditors meeting. A connected person covers close relatives; spouses, brothers, spouses; siblings, parents, civil partner, trustees, partners and companies which the person alone or together with other connected persons controls or is entitled to control.
A Debt Settlement Arrangement is deemed approved if creditors representing 65 percent in value present and voting, vote in its favour. Where no creditor votes, it is deemed to be approved.
Single Creditor and Secured Creditor
Where a personal insolvency practitioner has prepared a proposal for a Debt Settlement
Arrangement and the debtor has consented to that proposal, and only one creditor would be entitled to vote at a creditors’ meeting (whether in respect of one or more debts), a simplified procedure applies in relation to the approval by that creditor of the proposal for a Debt Settlement Arrangement.
Where only one creditor is entitled to vote his written approval substitutes for a meeting.
Conduct of Meetings
The Minister may make regulations regarding the holding of meetings for Debt Settlement Arrangements and Personal Insolvency Arrangement. They may deal with the holding of meetings where all creditors are not present at the same venue, electronic, remote voting and the appointment of proxies. The meetings are to be held in the State.
The personal insolvency practitioner conducts the meeting in accordance with criteria in statute and regulations. Where he is of the opinion that it would aid in obtaining approval for the arrangement, he may adjourn the meeting with the consent in writing of the debtor and may prepare an amended arrangement.
Post Approval Notice to Insolvency Service and Creditors
Following approval of the arrangement, the insolvency practitioner must notify the Insolvency Service and every creditor concerned. A certificate of the result, taken identifying the number in value and creditors present in voting for and against must be given together with a copy of the Debt Settlement Arrangement.
The Insolvency Service must record the arrangement in its Register, notify and furnish a copy to the court. Where the arrangement is received before the expiry of the protective certificate, the certificate continues until the arrangement comes into effect and all objections lodged to the court had been dealt with.
The notice must be accompanied by—
- a certificate with the result of the vote taken at the creditors’ meeting, identifying the number of votes, in value of the creditors present and voting, in favour of and against the proposed Debt Settlement Arrangement, and stating that the requisite proportion of creditors has approved the proposal for a Debt Settlement Arrangement, or where it is deemed passed because no creditor voted, a certificate to that effect;
- a copy of the approved Debt Settlement Arrangement;
- notice that there is a right to a dissenting creditor to object
- statements of eligibility and compliance.
Objection to Court
The personal insolvency practitioner shall send a notice to each creditor with the above mentioned documents, indicating that he or she may make an objection to the coming into effect of the Debt Settlement Arrangement by lodging a notice of objection with the appropriate court, within 14 days of the date of the sending of that notice.
A creditor may lodge a notice of objection with the appropriate court within 14 days of the date of the receipt of the notice. The creditor shall also give notice of objection to the Insolvency Service and personal insolvency practitioner.
The hearing of an objection shall be heard with all due expedition. Where the appropriate court upholds the objection to the Debt Settlement Arrangement, the Debt Settlement Arrangement procedure shall be deemed to have come to an end, and the protective certificate issued shall cease to have effect
Grounds for Court Challenge
The grounds for challenge to a Debt Settlement Arrangement are as follows
- that the debtor has by his or her conduct within the 2 years prior to the issue of the protective certificate arranged his or her financial affairs primarily with a view to being or becoming eligible to apply for a Debt Settlement Arrangement or a Personal Insolvency Arrangement;
- the procedural requirements specified in the Act were not complied with;
- a material inaccuracy or omission exists in the debtor’s statement of affairs (based on the Prescribed Financial Statement) which causes a material detriment to the creditor;
- the debtor, when the Debt Settlement Arrangement was proposed, did not satisfy the eligibility criteria;
- the Debt Settlement Arrangement unfairly prejudices the interests of a creditor;
- the debtor has committed an offence under the Act, which causes a material detriment to the creditor;
- the debtor had entered into a transaction with a person at an undervalue within the preceding 3 years that has materially contributed to the debtor’s inability to pay his or her debts (other than any debts due to the person with whom the debtor entered the transaction at an undervalue);
- the debtor had given a preference to a person within the preceding 3 years that had the effect of substantially reducing the amount available to the debtor for the payment of his or her debts
Operation of Debt Settlement Arrangement I
The Debt Settlement Arrangement is to operate in accordance with its terms and condition. Unless otherwise provided, the payments are to be made to the insolvency practitioner. They are to be paid onwards to the creditors in the agreed proportion on a timely basis.
The personal insolvency practitioner is to maintain contact with the debtor and request reports and conduct reviews as may be required. A review is required every 12 months. The practitioner is to monitor implementation of the arrangement.
Where circumstances have changed in a material respect, the practitioner must provide information to the debtor regarding his rights and obligations to initiate a variation. Where circumstances have changed so that a variation is appropriate, the insolvency practitioner must take the necessary steps to initiate the variation.
Operation of Debt Settlement Arrangement II
The insolvency practitioner must deal with debtor’s property and assets in accordance with the arrangement. The practitioner must not charge fees other than in accordance with the terms of the arrangement. The personal insolvency practitioner must respond on a timely basis in relation to queries from the Insolvency Service, the debtor and creditors.
The personal insolvency practitioner must maintain complete and accurate records of monies paid and received and assets under his control. Account must be held with a bank authorised to carry out business in the State and used only for the purposes of receiving payments from the debtor and transmitting such payments to the creditor after deduction of fees and expenses permitted to be made.
Restrictions on and Obligations of Debtor
A debtor who participates in an arrangement is under an obligation of good faith in his dealings with the personal insolvency practitioner. He must make full disclosure of all assets, income and liabilities and circumstances which bear on his ability to make payment. He must immediately disclose any previous inaccuracy which comes to this knowledge.
The debtor must cooperate fully with the settlement agreement and comply with the reasonable request of the insolvency practitioner to provide assistance documents and information necessary for the process. He must furnish all tax, social welfare, financial and other records and information.
A debtor who in respect of whom an arrangement is in effect is obliged to inform the insolvency practitioner as soon as reasonably practicable, of any material change in his circumstances including increase or decrease in the level of his assets, liabilities or income which will affect his ability to make payments under the arrangement.
A debtor in respect of whom the Debt Settlement Arrangement is in place, either alone or jointly may not obtain credit in an amount of more than €650 without informing the person that he is subject to a Debt Settlement Arrangement.
A debtor in respect of whom an arrangement is in place must not transfer lease, grant security or otherwise dispose of an interest in the property above a prescribed value other than in accordance with the agreement.
Restrictions on Creditors I
While a Debt Settlement Arrangement is in effect, the the debtor, and in respect of every debt included, the creditor concerned are bound. A creditor shall not, in relation to an included debt—
- initiate any legal proceedings;
- take any step to prosecute legal proceedings already initiated;
- take any step to secure or recover payment;
- execute or enforce a judgment or order of a court or tribunal against the debtor;
- take any step to recover goods in the possession or custody of the debtor, unless title to the goods is vested in the creditor or the creditor has security over the goods;
- contact the debtor regarding payment of the specified debt otherwise than at the request of the debtor;
- in relation to an agreement with the debtor, other than a security agreement, by reason only that the debtor is insolvent or that a Debt Settlement Arrangement is in effect terminate or amend that agreement, or claim an accelerated payment under that agreement.
Restrictions on Creditors II
A creditor who is covered by the Arrangement shall not apply for the issue of a or proceed with a summons under s the Bankruptcy 1988 or present a petition to have the debtor concerned adjudicated a bankrupt in respect of a debt covered by the Debt Settlement Arrangement.
This does not prevent a creditor taking the actions as respects a person who has jointly contracted with the debtor or is jointly liable with the debtor to the creditor or a guarantor. That other person may sue or be sued in respect of the contract without joining the debtor.
In reckoning any period of time for the purpose of any applicable limitation period (including any limitation period under the Statute of Limitations 1957), the period in which the Debt Settlement Arrangement is in effect shall be disregarded.
The period for which any judgment against the debtor in relation to a debt which is the subject of a Debt Settlement Arrangement has effect (whether under statute or rule of court) shall, be extended by the period that the Debt Settlement Arrangement is in effect.
Variation of Arrangement
A Debt Settlement Arrangement may be varied in accordance with its terms. A personal insolvency practitioner, whether on his or her own initiative or on a request made, shall propose a variation of a Debt Settlement Arrangement where it appears to him or her that there has been a material change in the debtor’s circumstances, and the personal insolvency practitioner is satisfied that there is a reasonable prospect that a variation that addresses such circumstances would be approved.
A ‘material change in the debtor’s circumstances’ is a change in those circumstances that would materially affect his or her ability to make payments, or otherwise perform his or her obligations, under the Debt Settlement Arrangement. It includes an increase or decrease in the extent of the debtor’s assets, liabilities or income.
A debtor or creditor who is bound by a Debt Settlement Arrangement may request the personal insolvency practitioner to propose a variation of the Arrangement. The request shall be in writing and shall be
- accompanied by information or evidence to support the assertion that there has been a material change in the debtor’s circumstances, and
- accompanied by the written consent of the person making the request to the making by the personal insolvency practitioner of enquiries and disclosure by the personal insolvency practitioner of personal data of the person, to the extent necessary for such an enquiry.
Enquiries and New Prescribed Financial Statement
A personal insolvency practitioner shall, within 21 days of receipt of a request, for that purpose
- may request any further information he or she requires from the person who made the request, and
- may make such enquiries as he or she considers necessary in order to arrive at his or her decision.
For the purpose of deciding, whether the requirements for a variation apply, the personal insolvency practitioner may require the debtor concerned, where necessary with his assistance to complete a new Prescribed Financial Statement.
The personal insolvency practitioner if satisfied that the requirements apply, shall without delay
- require the debtor concerned, to complete a new Prescribed Financial Statement, unless that already prepared remains complete and accurate;
- formulate a proposal for a variation;
- seek the written consent of the debtor to the proposal and, to the calling of a meeting of the creditors of the debtor for the purpose of considering the proposal, and
- where the consent of the debtor has been given, arrange for the holding of the meeting.
Meeting to Consider Variation
When calling a creditors’ meeting, the personal insolvency practitioner shall give each creditor at least 14 days’ written notice of the meeting and the date on which, and the time and place at which, the meeting will be held.
The notice must be accompanied by a written proposal for the variation of the Debt Settlement Arrangement, a report of the personal insolvency practitioner
- describing the outcome for the creditors and for the debtor under the terms of the proposal, and indicating whether or not he or she is of the opinion that the debtor is reasonably likely to be able to comply with the terms of the Debt Settlement Arrangement as varied in accordance with the proposal,
- the Prescribed Financial Statement completed by the debtor; and
- such other information obtained by the personal insolvency practitioner as he or she considers relevant
He shall lodge a copy of the notice and the documents with the Insolvency Service.
Consideration of Proposal
The subsequent procedures for approval and registration are broadly similar to those that apply to the original Debt Settlement Agreement. The voting rights exercisable by a creditor at a creditors’ meeting is proportionate to the amount of the debt due by the debtor to the creditor on the day on which the vote is held.
Where on the taking of a vote at a creditors’ meeting, the proposal is not approved or is deemed not to be approved, or the appropriate court upholds the objection of a creditor to the variation of a Debt Settlement Arrangement coming into effect, the Debt Settlement Arrangement concerned shall continue in effect without being subject to such variation. The personal insolvency practitioner may propose another variation of the Debt Settlement Arrangement.
Reasonableness of refusing Consent
A debtor who refuses to give his or her consent to a variation is considered to be acting reasonably where the proposal in relation to which the consent is sought would require the debtor where there has been an increase in the debtor’s income, to make additional payments in excess of 50 percent of the increase in his or her income available to him or her after the following deductions (where applicable) are made:
- income tax;
- social insurance contributions;
- payments made by him or her in respect of excluded debts;
- payments made by him or her in respect of excludable debts that are not
- permitted debts;
- such other levies and charges on income as may be prescribed,
A debtor who refuses to give his or her consent to a variation shall be considered to be acting reasonably where the proposal in relation to which the consent is sought would require the debtor to make a payment amounting to more than 50 percent of the value of any property acquired by the debtor after the coming into effect of the Debt Settlement Arrangement that is proposed to be varied, unless receipt of that property had been anticipated by the terms of that Arrangement.
Application to Terminate
A creditor or a personal insolvency practitioner may, as respects a Debt Settlement Arrangement, at any time during which it is effect, apply to the appropriate court to have that Debt Settlement Arrangement terminated. The application must be based on one of the following grounds:
- material inaccuracy or omission in the prescribed financial statement;
- failure to satisfy the eligibility criteria;
- failure by the debtor to comply with his duties and obligations under the process;
- the debtor has committed an offence under the act since the arrangement came into force;
- the debtor is in arrears of more than three months under the arrangement;
- the debtor has failed to carry out any action necessary to bring the arrangement into effect;
- the debtor has unreasonably refused consent to a variation.
Under a Debt Settlement Arrangement, a debtor is in arrears for more than three months where a payment is due at the start of a three-month period and throughout that period, the debtor was in arrears in respect of all or any of those payments.
An application may be made to the court to terminate the Debt Settlement Arrangement or order. The court may dismiss the application, terminate the arrangement or order a variation of the agreement.
Deemed Termination
Where a debtor under a Debt Settlement Arrangement is in arrears for more than six months, the arrangement is deemed to have failed and be terminated, when a creditor or personal insolvency practitioner notifies the Insolvency Service of such default. Where the Insolvency Service is notified, it must register the failure in the relevant register.
Where a Debt Settlement Arrangement has been deemed to have failed or has been terminated the debtor is thereupon liable in full for all debts covered by the Debt Settlement Arrangement. This includes any arrears, charges and interest that have accrued during the continuance of the arrangement.
It excludes any amounts paid in respect of those debts during the continuance of the arrangement unless its terms provide otherwise, or the appropriate court has made an order otherwise. This does not affect the validity of any act done or property disposed of in accordance with the Debt Settlement Arrangement.
The Insolvency Service shall, within 3 months after the date on which the Debt Settlement Arrangement would, but for that fact, have expired, remove from the Register of Debt Settlement Arrangements all information recorded in it in respect of the Debt Settlement Arrangement.
Termination in Due Course
Upon the expiration of the Debt Settlement Arrangement, where the debtor concerned has complied with his or her obligations under the Debt Settlement Arrangement, the personal insolvency practitioner shall notify the debtor, creditors and the Insolvency Service.
Where the debtor has complied with his or her obligations under the arrangement, the debtor stands discharged from the debts specified in the Debt Settlement Arrangement.
Where the Insolvency Service receives this notice, it records the successful completion of the Debt Settlement Arrangement in the Register of Debt Settlement Arrangements. Within 3 months of such receipt, it is to remove from the Register of Debt Settlement Arrangements all information recorded in it in respect of the arrangement.
References and Sources
Irish Books
Burke & Comyn Personal Insolvency Law 2014
Bracken Practioner’s Personal Insolvency Handbook 2013
Law Society (Wright) Insolvency Law 2009
Sanfey & Holohan Bankruptcy Law & Practice2nd Ed 2010
Farry, Holohan Consolidated Bankruptcy & Personal Insolvency Legislation2013
Forde, Kennedy & Simms Company Insolvency 2015
Forde & Simms Bankruptcy Law 2nd Ed 2009
UK Books
Insolvency Law and Practice (Report of the review committee chaired by Sir Kenneth Cork CBE, 1982, Cmnd 8558) (the Cork report)
V Finch, Corporate Insolvency Law: Perspectives and Principles 3rd Ed 2017
RM Goode, Principles of Corporate Insolvency Law (4th Ed, 2011)
A Keay and P Walton, Insolvency law: corporate and personal (4rd Ed, 2017)
Marsh Bankruptcy Insolvency and the Law 2016
WW McBryde, Bankruptcy 2nd Ed, 1995
Butterworths Insolvency Law Handbook 14th Ed 2012
Core Statutes on Insolvency Law and Corporate Rescue (annual editions)
Legislation
Personal Insolvency Legislation
Personal Insolvency Act 2012
Personal Insolvency (Amendment) Act 2015
Personal Insolvency Act 2012 (Part 6) (Commencement) Order 2013, S.I. No. 14 of 2013
Personal Insolvency Act 2012 (Commencement) (No. 2) Order 2013, S.I. No. 63 of 2013
Personal Insolvency Act 2012 (Establishment Day) Order 2013, S.I. No. 64 of 2013
Personal Insolvency Act 2012 (Authorisation and Supervision of Personal Insolvency Practitioners) Regulations 2013, S.I. No. 209 of 2013
Personal Insolvency Act 2012 (Authorisation of Approved Intermediaries) Regulations 2013, S.I. No. 216 of 2013
Personal Insolvency Act 2012 (Personal Insolvency Practitioner Authorisation and Renewal of Authorisation Prescribed Fees) Regulations 2013, S.I. No. 246 of 2013
Personal Insolvency Act 2012 (Accounts and Related Matters) Regulations 2013, S.I. No. 247 of 2013
Personal Insolvency Act 2012 (Commencement) (No. 3) Order 2013, S.I. No. 285 of 2013
Personal Insolvency Act 2012 (Value of interest in property) Regulations 2013, S.I. No. 330 of 2013
Personal Insolvency Act 2012 (Prescribed Protective Certificate Personal Insolvency Arrangement Application Form) Regulations 2013, S.I. No. 331 of 2013
Personal Insolvency Act 2012 (Prescribed Protective Certificate Debt Settlement Arrangement Application Form) Regulations 2013, S.I. No. 332 of 2013
Personal Insolvency Act 2012 (Prescribed Debt Relief Notice Application Form) Regulations 2013, S.I. No. 333 of 2013
Personal Insolvency Act 2012 (Schedule of Creditors) Regulations 2013, S.I. No. 334 of 2013
Personal Insolvency Act 2012 (Procedures for the Conduct of Creditors’ Meetings) Regulations 2013, S.I. No. 335 of 2013
Personal Insolvency Act 2012 (Notification in relation to Excludable Debt) Regulations 2013, S.I. No. 337 of 2013
Personal Insolvency Act 2012 (Additional Information to be contained in the Registers) Regulations 2013, S.I. No. 356 of 2013
Personal Insolvency Act 2012 (Part 4) (Commencement) Order 2013, S.I. No. 462 of 2013
Personal Insolvency Act 2012 (Prescribed Fees in Bankruptcy Matters) Regulations 2013, S.I. No. 465 of 2013
Personal Insolvency Act 2012 (Prescribed Financial Statement) Regulations 2014, S.I. No. 259 of 2014
Personal Insolvency Act 2012 (Regulatory Disclosure Statement of a Personal Insolvency Practitioner) Regulations 2014, S.I. No.319 of 2014
Personal Insolvency Act 2012 (Written Statement Disclosing All of the Debtor’s Financial Affairs) Regulations 2015, S.I. No. 416 of 2015
Personal Insolvency Act 2012 (Prescribed Fees) Regulations 2015, S.I. No. 620 of 2015
Personal Insolvency Act 2012 (Renewal of Authorisation of Personal Insolvency Practitioners) Regulations 2016, S.I. No.226 of 2016
Justice Courts and Civil Law (Miscellaneous Provisions) Act 2013
Courts and Civil Law (Miscellaneous Provisions) Act 2013 (Part8) (Commencement) Order 2013, S.I. No. 286 of 2013
Courts and Civil Law (Miscellaneous Provisions) Act 2013 (Part 7) (Commencement) Order 2013, S.I. No. 463 of 2013
Courts and Civil Law (Miscellaneous Provisions) Act 2013 (Section 2) (Commencement) Order 2014, S.I. No. 334 of 2014
Personal Insolvency (Amendment) Act 2015 (Commencement) Order 2015, S.I. No. 414 of 2015
Personal Insolvency (Amendment) Act 2015 (Commencement) (No. 2) Order 2015, S.I. No. 514 of 2015