The Act Part 1 – the Debt Arrangement Scheme Section 3 – Money advice
13.Section 3 requires the debtor to take certain steps before submitting an application for approval, or variation, of a debt payment programme.
14.Section 3(1) requires the debtor to seek the assistance of a money adviser before applying for approval of a debt payment programme, or its variation. Section 3(2) provides that the debtors' application to enter into a debt payment programme must contain a signed declaration by the money adviser that money advice has been given.