{
  "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-22",
  "json_url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-22.json",
  "legislation": "ssi/2011/141",
  "legislation_title": "The Debt Arrangement Scheme (Scotland) Regulations 2011",
  "legislation_url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011",
  "path": "regulation/22",
  "kind": "regulation",
  "number": "22",
  "heading": "Joint debt payment programme",
  "text": "(1) Two debtors may apply together for a joint debt payment programme—\n(a) if each of the debtors is liable for a debt which the programme would provide for the payment of; and\n(b) they are—\n(i) spouses or civil partners of each other; or\n(ii) living together as if spouses or civil partners of each other.\n(2) Both debtors must consent to any application for approval of a joint debt payment programme; and a declaration by a money adviser under regulation 20(2)(b) must declare that both debtors have consented.\n(3) Unless the context otherwise requires, references in these Regulations to “debtor” (including to a debtor who is an “individual” or “individuals”) in relation to a joint debt payment programme are to be taken to be references to both debtors.",
  "extent": "S",
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Reg. 22(1)(a) substituted (2.7.2013) by The Debt Arrangement Scheme (Scotland) Amendment Regulations 2013 (S.S.I. 2013/225), regs. 1(2), 10(a)"
    },
    {
      "type": "F",
      "label": "F2",
      "text": "Reg. 22(1)(b) substituted (29.10.2018) by The Debt Arrangement Scheme (Scotland) Amendment Regulations 2018 (S.S.I. 2018/297), regs. 1, 10"
    },
    {
      "type": "F",
      "label": "F3",
      "text": "Words in reg. 22(1)(b)(ii) inserted (4.11.2019) by The Debt Arrangement Scheme (Scotland) Amendment Regulations 2019 (S.S.I. 2019/315), regs. 1, 9(1)"
    },
    {
      "type": "F",
      "label": "F4",
      "text": "Words in reg. 22(3) inserted (11.12.2014) by The Debt Arrangement Scheme (Scotland) Amendment Regulations 2014 (S.S.I. 2014/294), regs. 1(2), 12(2)"
    },
    {
      "type": "I",
      "label": "I1",
      "text": "Reg. 22 in force at 1.7.2011, see reg. 1"
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/ssi/2011/141/regulation/22",
    "retrieved_at": "2026-10-28T21:50:24.069321+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}