PIA Course

Effect of Personal Insolvency Arrangement I

While a Personal Insolvency Arrangement is in effect, the following shall be parties to it and, are bound by its terms

  • the debtor, and
  • in respect of every specified debt, the creditor concerned.

A “specified debt” is a debt that is specified in a Personal Insolvency Arrangement as being subject to that Arrangement.

Where a Personal Insolvency Arrangement is in effect, a creditor who is bound by it shall not, in relation to a specified 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 enforce security held by the creditor;
  • take any step to recover goods in the possession or custody of the debtor, unless title to the goods is vested in the creditor;
  • 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, including a security agreement, by reason only that the debtor is insolvent or that a Personal Insolvency Arrangement is in effect terminate or amend that agreement, or claim an accelerated payment under that agreement.

Where a Personal Insolvency Arrangement is in effect, a creditor of that debtor shall not apply for the issue of a Bankruptcy summons or present a petition to have the debtor concerned adjudicated a bankrupt in respect of a debt covered by the Personal Insolvency Arrangement.


Effect of Personal Insolvency Arrangement II

Where a Personal Insolvency Arrangement is in effect, and a creditor of that debtor has applied for the issue of a Bankruptcy summons or has presented a petition to have the debtor concerned adjudicated a bankrupt in respect of a debt covered by the Personal Insolvency Arrangement, the creditor shall not proceed with the summons or the petition.

The above provision does not operate to prevent a creditor taking actions as respects a person who has jointly contracted with the debtor or is jointly liable with the debtor to the creditor. 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 in relation to any proceedings or process (including any limitation period under the Statute of Limitations), the period in which the Personal Insolvency 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 Personal Insolvency Arrangement has effect (whether under statute or rule of court) shall be extended by the period that the Personal Insolvency Arrangement is in effect.

The fact that a Personal Insolvency Arrangement is in effect in relation to a debtor shall not operate to prevent a creditor taking the actions above as respects another person who has guaranteed the specified debts concerned.


Operation of Personal Insolvency Arrangement

A Personal Insolvency Arrangement shall operate according to its terms. The debtor and creditors concerned shall each perform their obligations in accordance with the Arrangement. Unless otherwise provided by the Personal Insolvency Arrangement, payments are to be made to creditors under the terms of the arrangement shall be made by the debtor through the personal insolvency practitioner concerned.

The personal insolvency practitioner shall transmit payments received to each of the creditors in the agreed proportion on a timely basis. The personal insolvency practitioner shall maintain complete and accurate records of account of the money received from the debtor and the money disbursed to the creditors.

Such money shall while in the possession and control of the personal insolvency practitioner, be maintained in a designated client account which is used solely for the purposes of receiving payments from the debtor and transmitting such payments to creditors. This may be after the deduction of any fees, costs and outlays payable to the personal insolvency practitioner permitted to be made by statute and in accordance with the Personal Insolvency Arrangement).

The personal insolvency practitioner shall monitor implementation of the Arrangement and where the debtor has defaulted or appears likely to default on his or her obligations under the Arrangement, discuss the matter with the debtor. Where the circumstances of the debtor have changed in a material respect, the personal insolvency practitioner shall provide information to the debtor regarding his or her right or obligation to initiate an application to vary the arrangement.


Restrictions and Obligations on Debtor

A debtor in respect of whom a Personal Insolvency Arrangement is in effect shall not, either alone or with any other person, obtain credit in an amount of more than €650 from any person without informing that person that he or she is subject as a debtor to a Personal Insolvency Arrangement.

A debtor in respect of whom a Personal Insolvency Arrangement is in effect shall not transfer, lease, grant security over, or otherwise dispose of any interest in the property above a prescribed value otherwise than in accordance with the terms of the Personal Insolvency Arrangement.

A debtor shall inform the personal insolvency practitioner as soon as reasonably practicable after becoming aware of any inaccuracy or omission in the debtor’s statement of affairs based on the Prescribed Financial Statement.

A debtor who participates in a Personal Insolvency Arrangement shall not pay to creditors any additional payments separate to the Personal Insolvency Arrangement in respect of debts covered in the Personal Insolvency Arrangement.


Debtors Obligation to Cooperate and Good Faith

A debtor who participates in an arrangement is under an obligation to act in good faith, and in his or her dealings with the personal insolvency practitioner concerned to make full disclosure to him of all of his or her assets, income and liabilities and of all other circumstances that are reasonably likely to have a bearing on the ability of the debtor to make payments to his or her creditors.

A debtor who participates in any part of the process of applying for or operating a Personal Insolvency Arrangement shall co-operate fully in the process. He shall, in particular, comply with any reasonable request from the personal insolvency practitioner to provide assistance, documents and information necessary for the application of the process to the debtor’s case or the carrying out of the personal insolvency practitioner’s functions. This includes any debt, tax, employment, business, social welfare or other financial records.


Review and Variation

The personal insolvency practitioner shall maintain regular contact with the debtor and request such reports and conduct such reviews as may be required. A review shall, in any event, be carried out at least once in every period of 12 months.

Where the circumstances of a debtor have changed to such an extent that a variation in the terms of an Arrangement is appropriate, the personal insolvency practitioner shall take the necessary steps to initiate a variation of the Arrangement.

A debtor in respect of whom a Personal Insolvency Arrangement is in effect, is under an obligation to inform the personal insolvency practitioner as soon as reasonably practicable of any material change in the debtor’s circumstances, particularly an increase or decrease in the level of the debtor’s assets, liabilities or income, which would affect the debtor’s ability to make repayments under the Personal Insolvency Arrangement.


Variation of PIA

A personal insolvency practitioner, whether on his or her own initiative or on a request made, shall propose a variation of a Personal Insolvency Arrangement where—

  • it appears to the personal insolvency practitioner 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 debtor or creditor who is bound by a Personal Insolvency Arrangement may request the personal insolvency practitioner to propose a variation of the Arrangement, which request shall be—

  • in writing, 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 an enquiry, and
  • disclosure by the personal insolvency practitioner of personal data of the person, to the extent necessary for such an enquiry.

A material change in the debtor’s circumstances’ means a change in the debtor’s circumstances that would materially affect his or her ability to make payments, or otherwise perform his or her obligations, under the Personal Insolvency Arrangement. It includes an increase or decrease in the extent of the debtor’s assets, liabilities or income.

A Personal Insolvency Arrangement may be also varied in accordance with its terms.


Response of PIP

A personal insolvency practitioner shall, within 21 days of receipt of a request for a variation decide whether the above grounds for a variation apply in relation to the Personal Insolvency Arrangement. He may request any further information he or she requires from the person who made the request. He may make such enquiries as he or she considers necessary in order to arrive at his or her decision.

Where the personal insolvency practitioner does not make an application, the Personal Insolvency Arrangement concerned shall continue in effect without being subject to such variation.This is without prejudice to the entitlement to propose another variation of the Personal Insolvency Arrangement.


New Financial Statement

The personal insolvency practitioner may require the debtor concerned, where necessary with the assistance of the personal insolvency practitioner, to complete a new Prescribed Financial Statement. Where the personal insolvency practitioner is satisfied that there are grounds for variation which would have a reasonable prospect of approval he or she shall without delay

  • require the debtor concerned, where necessary with the assistance of the personal insolvency practitioner, to complete a new Prescribed Financial Statement, unless the debtor has completed a Prescribed Financial Statement which 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.

Creditors’ 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;
  • ensure that the notice is accompanied by a written proposal for the variation of the Personal Insolvency 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 Personal Insolvency 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; and
  • lodge a copy of the notice and the documents with the Insolvency Service.

Where there is one creditor only, the requirements are modified to reflect the requirement for creditor consent in place of a meeting.


Conditions Applicable to Variation

The provisions applicable to Personal Insolvency Arrangements apply in relation to a variation of a Personal Insolvency Arrangement with necessary modifications.

The variation of a Personal Insolvency Arrangement shall not have the effect of extending the duration of that arrangement beyond the maximum duration permitted. A Personal Insolvency Arrangement as varied shall make provision for the costs and outlays of the personal insolvency practitioner.

The market value attributed to security, or the market value of security determined, refers to the value attributed or determined for the purpose of a variation. A debt that is an unsecured debt on the date on which the vote at a creditors’ meeting is treated as an unsecured debt, notwithstanding that the debt concerned was a secured debt when the vote on the proposal for the Personal Insolvency Arrangement concerned was held,

Where on the taking of a vote at a creditors’ meeting, the proposal is not approved or deemed approved, or the appropriate court upholds the objection of a creditor to the variation of a Personal Insolvency Arrangement coming into effect, the Personal Insolvency Arrangement concerned shall continue in effect without being subject to such variation. This is without prejudice to the entitlement of the personal insolvency practitioner to propose another variation of the Personal Insolvency


Unreasonable Refusal of Consent

An unreasonable refusal by the debtor to give his or her consent to a proposal for a variation or the calling of a creditors’ meeting, is a ground for an application for a variation on the basis of an unreasonable refusal of consent by the debtor.

A debtor who refuses to give his or her consent shall be 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 agreed to be  permitted debts; such other levies and charges on income as may be prescribed,
  • 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 Personal Insolvency Arrangement that is proposed to be varied, unless receipt of that property had been anticipated by the terms of that Arrangement.

Where the coming into effect of a Personal Insolvency Arrangement has been confirmed by order of the court, the Arrangement may be varied in accordance with its terms and the above provisions.


Procedure for Variation

Where the personal insolvency practitioner has formulated a proposal for the variation of the Personal Insolvency Arrangement concerned, he or she shall without delay

  • seek the written consent of the debtor to the proposal and to the giving of a notice to the creditors concerned, and
  • give notice to each creditor concerned.

The notice shall inform the creditor of the proposal for a variation of the Personal Insolvency Arrangement. It shall be accompanied by a written proposal for the variation of the Personal Insolvency Arrangement, a report of the personal insolvency practitioner—

  • describing the outcome for the creditors and for the debtor under the terms of the proposal;
  • 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 Personal Insolvency Arrangement as varied in accordance with the proposal;
  • the Prescribed Financial Statement completed by the debtor
  • a statement informing the creditor of the effect of certain of the below provisions; and
  • such other information obtained by the personal insolvency practitioner as he or she considers relevant.

The personal insolvency practitioner shall lodge a copy of the above notice and the documents referred to with the Insolvency Service.


Single Creditor Case

A single creditor (where there is one only), within 14 days of the giving to the creditor of a notice, shall notify the personal insolvency practitioner in writing of his or her approval or otherwise of the proposal for the variation of the Personal Insolvency Arrangement. Where a creditor fails to comply with this requirement, he shall be deemed to have approved the proposal concerned.

Where in a single creditor case, the creditor notifies the personal insolvency practitioner that he does not approve of the proposal, the personal insolvency practitioner may, if the debtor so instructs him or her in writing, make an application on behalf of the debtor to the appropriate court for an order confirming the coming into effect of the Personal Insolvency Arrangement as varied in accordance with the proposal.


Application and Order for Approval

An application for an order shall be made not less than 14 days after receipt by the personal insolvency practitioner of the notice of the creditor(s). It shall be on notice to the Insolvency Service, each creditor concerned and the debtor.

It must be accompanied by copies of the relevant documents, a copy of the notification by the creditor and a statement of the grounds of the application. It shall include a statement identifying the creditor or creditors who, having approved or being deemed to have approved, the proposal, should, in the opinion of the personal insolvency practitioner, be considered by the court to be a class of creditors, and giving the reasons for this opinion.

The registrar of the appropriate court shall notify the Insolvency Service and the personal insolvency practitioner concerned where the court makes or refuses to make an order.

The Insolvency Service shall register in the Register of Personal Insolvency Arrangements the variation of a Personal Insolvency Arrangement on receipt by it of a notification under or   the making of an order. The variation of a Personal Insolvency Arrangement comes into effect upon being registered in the Register of Personal Insolvency Arrangements.

The court shall make such other order as it deems appropriate, including an order as to the costs of the application.


Grounds for Challenge to Variation

The grounds on which a Personal Insolvency Arrangement may be challenged by a creditor are the following:

  • 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 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 Personal Insolvency Arrangement was proposed, did not satisfy the eligibility criteria;
  • the Personal Insolvency Arrangement unfairly prejudices the interests of a creditor;
  •  the debtor has committed an offence under this Act, which causes a material detriment to a 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 (other than a debt due to the person who received the preference).

Excessive Pension Contributions

Where, in relation to a debtor who has entered into a Personal Insolvency Arrangement which is in force, a creditor or the personal insolvency practitioner concerned considers that a debtor has made excessive contributions to a relevant pension arrangement, the creditor or personal insolvency practitioner may make an application to the appropriate court for relief.

The power applies to contributions to a pension arrangement by the debtor at any time within 3 years prior to the making of the application for a protective certificate on behalf of the debtor. Where the appropriate court considers that having regard in particular to the matters below, that the contributions to the pension arrangement were excessive it may

  • direct that such part of the contribution concerned (less any tax required to be deducted) be paid by the person administering the relevant pension arrangement to the personal insolvency practitioner for distribution amongst the creditors of the debtor, and
  • make such other order as the court deems appropriate, including an order as to the costs of the application.

Excessive Contributions Criteria

The matters to which the court is to have regard as respects the contributions made by the debtor to a relevant pension arrangement are:

  • whether the debtor made payments to his or her creditors in respect of debts due to those creditors on a timely basis at or about the time when the debtor made the contribution concerned;
  • whether the debtor was obliged to make contributions of the amount or percentage of income as the payments actually made under his or her terms and conditions of employment and if so obliged, whether the debtor or a person who as respects the debtor is a connected person could have materially influenced the creation of such obligation;
  • the amount of the contributions paid, including the percentage of total income of the debtor in each tax year concerned which such contributions represent;
  • the amount of the contributions paid, in each of the 6 years prior to the making of the application for a protective certificate on behalf of the debtor including the percentage of total income of the debtor concerned which such contributions represent in each of those years;
  • the age of the debtor at the relevant times;
  • the percentage limits which applied to the debtor in relation to relief from income tax for the purposes of making contributions to a relevant pension arrangement in each of the 6 years prior to the making of the application for a protective certificate on behalf of the debtor; and
  • the extent of provision made by the debtor in relation to any relevant pension arrangement prior to the making of the contributions concerned.

Application to Terminate for Default

A creditor or a personal insolvency practitioner may at any time during which the arrangement concerned is in effect, apply to the appropriate court to have that Personal Insolvency Arrangement terminated. The application must be based on one of the following grounds:

  • a material inaccuracy or omission exists in the debtor’s Prescribed Financial Statement which causes a material detriment to the creditor;
  • the debtor, when the Personal Insolvency Arrangement was proposed, did not satisfy the eligibility criteria;
  • the debtor did not comply with the duties and obligations imposed on him or her under the Personal Insolvency Arrangement process;
  • the debtor has since the coming into effect of the Personal Insolvency Arrangement been convicted of an offence under the legislation;
  • the debtor is in arrears with his or her payments for a period of not less than 3 months;
  • the debtor has failed to carry out any action necessary to enable a term of the Personal Insolvency Arrangement to have effect;
  • the debtor has unreasonably refused to consent to a variation of the Personal Insolvency Arrangement.

Termination for Arrears

A debtor is in arrears with his or her payments for a period of not less than 3 months where  at the beginning of the 3 month period ending immediately before the day on which the application was made, one or more than one payment in respect of the debts became due and payable by the debtor under the Personal Insolvency Arrangement, and at no time during that 3 month period were any obligations in respect of those payments discharged.

On hearing an application, the court may

  • dismiss the application;
  • terminate the Personal Insolvency Arrangement, or
  • order that the personal insolvency practitioner prepare a proposal for a variation of the arrangement.

Where the appropriate court makes such a decision the Registrar of the appropriate court shall notify the Insolvency Service of the decision. The Insolvency Service, on receipt of the notification, shall notify the personal insolvency practitioner and the specified creditors concerned of the decision.

Where the court decides, to terminate a Personal Insolvency Arrangement, the Insolvency Service shall, on receipt of the notification of that termination, record the fact of the termination of the arrangement in the Register of Personal Insolvency Arrangements.


Automatic Termination; 6 Months Arrears

Where the debtor is in arrears with his or her payments for a period of 6 months the Personal Insolvency Arrangement shall be deemed to have failed and shall terminate where the personal insolvency practitioner notifies the Insolvency Service and the debtor of such default.

For this purpose, a debtor is in arrears with his or her payments for a period of 6 months on a given date if, at the beginning of the 6-month period ending immediately before that date, one or more than one payment in respect of a debt became due and payable by the debtor under the arrangement, and at no time during that 6-month period were any obligations in respect of those payments discharged.

Where the Insolvency Service receives a notification of default, it shall record the failure of the arrangement in the Register of Personal Insolvency Arrangements.


Effect of Termination for Default

Where a Personal Insolvency Arrangement has been deemed to have failed or has terminated,  the debtor shall thereupon be liable in full for all debts covered by the arrangement (including any arrears, charges and interest that have accrued during the continuance of the arrangement but excluding any amounts paid in respect of those debts during the continuance of the arrangement, unless the terms of the Personal Insolvency Arrangement provides 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 Personal Insolvency Arrangement.

Where the arrangement terminates as above, the Insolvency Service shall, within 3 months after the date on which the Personal Insolvency Arrangement would, but for that fact, have expired, remove from the Register of Personal Insolvency Arrangements all information recorded in it in respect of the Personal Insolvency Arrangement.


Termination and Discharge of Debts

Upon the expiration of the Personal Insolvency Arrangement, where the debtor concerned has complied with his or her obligations under the 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 unsecured debts specified in the Personal Insolvency Arrangement.

Where the debtor has complied with his or her obligations under the Personal Insolvency Arrangement, the debtor shall not stand discharged from the secured debts covered by the arrangement except to the extent specified therein.

Where the Insolvency Service is given notice, it shall record the successful completion of the Personal Insolvency Arrangement in the Register of Personal Insolvency Arrangements, and within 3 months of such receipt, remove from the Register of Insolvency Arrangements all information recorded in it in respect of the Personal Insolvency 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