{
  "url": "https://openlegislation.uk/draft-bankruptcy-scotland-regulations-2016/regulation-6",
  "json_url": "https://openlegislation.uk/draft-bankruptcy-scotland-regulations-2016/regulation-6.json",
  "legislation": "sdsi/2016/9780111033159",
  "legislation_title": "The Bankruptcy (Scotland) Regulations 2016",
  "legislation_url": "https://openlegislation.uk/draft-bankruptcy-scotland-regulations-2016",
  "path": "regulation/6",
  "kind": "regulation",
  "number": "6",
  "heading": "Other matters on which a debtor must obtain advice",
  "text": "The following are prescribed for the purposes of section 4(1)(d) of the Act as matters on which the debtor must obtain advice from a money adviser—\n(a) the income and expenditure of the debtor in accordance with the common financial tool;\n(b) the evidence required to confirm the debts of the debtor in making the debtor application;\n(c) the debt advice and information package;\n(d) the options of a voluntary repayment plan, debt payment programme under the Debt Arrangement Scheme or a trust deed;\n(e) 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 or 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": [
    {
      "type": "footnote",
      "label": "f1",
      "text": "Referred to in section 3(2) of the Act and section 10(5) of the Debt Arrangement and Attachment (Scotland) Act 2002 (asp 17)."
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/sdsi/2016/9780111033159/regulation/6",
    "retrieved_at": "2026-10-30T15:34:10.494450+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."
}