{
  "url": "https://openlegislation.uk/draft-bankruptcy-certificate-for-sequestration-scotland-regulations-2010/regulation-4",
  "json_url": "https://openlegislation.uk/draft-bankruptcy-certificate-for-sequestration-scotland-regulations-2010/regulation-4.json",
  "legislation": "sdsi/2010/9780111010495",
  "legislation_title": "The Bankruptcy (Certificate for Sequestration) (Scotland) Regulations 2010",
  "legislation_url": "https://openlegislation.uk/draft-bankruptcy-certificate-for-sequestration-scotland-regulations-2010",
  "path": "regulation/4",
  "kind": "regulation",
  "number": "4",
  "heading": "Further provisions relating to certification",
  "text": "Prior to granting a certificate for sequestration, an authorised person must—\n(a) provide the debtor with a copy of a Debt Advice and Information Package referred to in section 10(5) of the 2002 Act;\n(b) advise the debtor of the options of a voluntary repayment plan, a debt payment programme under the Debt Arrangement Scheme or a trust deed; and\n(c) advise the debtor of the consequences of sequestration and that an award of sequestration, if granted, is recorded in a public register and may result in one or more of—\n(i) the debtor being refused credit, or being offered credit at a higher rate, whether before or after the date of the debtor being discharged;\n(ii) the debtor not being able to remain in his/her current place of residence;\n(iii) the debtor being required to relinquish property which the debtor owns;\n(iv) the debtor requiring to make contributions from income for the benefit of creditors;\n(v) damage to the debtor’s business interests and employment prospects;\n(vi) the debtor still being liable for some debts;\n(vii) the debtor’s past financial transactions being investigated; and\n(viii) other restrictions or requirements imposed on the debtor as a result of the debtor’s own circumstances and actions.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/sdsi/2010/9780111010495/regulation/4",
    "retrieved_at": "2026-10-30T15:37:37.113090+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."
}