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  /Title (acp-singapore-bankruptcy.pdf)
  /Creator (Cheatography)
  /Author (elementalhalo)
  /Subject (ACP Singapore - Bankruptcy Cheat Sheet)
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    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{ACP Singapore - Bankruptcy Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{elementalhalo} via \textcolor{DarkBackground}{\uline{cheatography.com/26073/cs/7179/}}}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}elementalhalo \\
  \uline{cheatography.com/elementalhalo} \\
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 13th February, 2016.\\
   Updated 13th May, 2016.\\
   Page {\thepage} of \pageref{LastPage}.
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  Measure your website readability!\\
  www.readability-score.com
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\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Purposes of bankruptcy}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Relieve bankrupt of debts he cannot pay \newline % Row Count 1 (+ 1)
Rehabilitate bankrupt and allow him to start anew \newline % Row Count 2 (+ 1)
Deterrence to irresponsible handling of finances \newline % Row Count 3 (+ 1)
Protect members of society from errant debtors \newline % Row Count 4 (+ 1)
Punish debtor for irresponsible handling of finances% Row Count 6 (+ 2)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{x{8.635 cm} x{8.635 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{17.67cm}}{\bf\textcolor{white}{Alternatives to Bankrupty}}  \tn
% Row 0
\SetRowColor{LightBackground}
Debtor's voluntary arrangement & Consensual settlement between debtor and creditors \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
Debtor apply to court to make a proposal for voluntary arrangement under Part V of the Bankruptcy Act & Negotiate for a settlement of the debt between debtor and creditor \tn 
% Row Count 9 (+ 6)
% Row 2
\SetRowColor{LightBackground}
Creditors' meeting  will be convened  for creditors to consider proposal. & - \tn 
% Row Count 13 (+ 4)
% Row 3
\SetRowColor{white}
Court can facilitate by making an "interim order"   Moratorium – no  bankruptcy/legal proceedings permitted & - \tn 
% Row Count 19 (+ 6)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{x{8.635 cm} x{8.635 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{17.67cm}}{\bf\textcolor{white}{Who can apply for bankruptcy?}}  \tn
% Row 0
\SetRowColor{LightBackground}
Section 57 BA: Creditor – Creditor's application for bankruptcy of the debtor & Section 58 BA: Debtor – Debtor's application for declaration of bankruptcy \tn 
% Row Count 5 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Requirements for Debtor}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Section 60 BA: \newline % Row Count 1 (+ 1)
Bankruptcy application shall only be made to Court against a debtor if he is  \newline % Row Count 3 (+ 2)
(a) domiciled in Singapore; \newline % Row Count 4 (+ 1)
(b) has property in Singapore; or \newline % Row Count 5 (+ 1)
(c) has, at any time within the period of one year immediately preceding the date of the making of the application — \newline % Row Count 8 (+ 3)
(i) been ordinarily resident or has had a place of residence in Singapore; or \newline % Row Count 10 (+ 2)
(ii) carried on business in Singapore.% Row Count 11 (+ 1)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Ground of Bankruptcy application}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Debtor's inability to pay debt or debts as and when they fall due ie. Insolvency \newline % Row Count 2 (+ 2)
Section 61 BA \newline % Row Count 3 (+ 1)
For debts incurred in Singapore: \newline % Row Count 4 (+ 1)
(a) the  amount of  the  debt,  or  the  aggregate  amount  of  the debts,  is  not  less  than \$10,000; \newline % Row Count 7 (+ 3)
(b) the  debt is  for  a  liquidated  sum  payable  to  the  applicant creditor immediately; \newline % Row Count 9 (+ 2)
(c) the debtor is unable to pay the debt or each of the debts \newline % Row Count 11 (+ 2)
For debts incurred outside of Singapore: \newline % Row Count 12 (+ 1)
(d) such debt  is payable  by  the  debtor  to  the  applicant  creditor  by  virtue  of  a  judgment  or  an award which is enforceable by execution in Singapore.% Row Count 16 (+ 4)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{x{4.1175 cm} x{4.1175 cm} x{4.1175 cm} x{4.1175 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{4}{x{17.67cm}}{\bf\textcolor{white}{Presumption of insolvency}}  \tn
% Row 0
\SetRowColor{LightBackground}
Claimant has served a Statutory Demand on debtor and 21 days has lapsed and debtor has not complied with SD; & Execution in respect of a Judgment Debt has not be satisfied or satisfied in part; & Debtor has departed or remains outside of Singapore with the intention to evade debt \seqsplit{obligations;} & DRS \seqsplit{inapplicability} / failure / \seqsplit{revocation} of cert of \seqsplit{completion} \tn 
% Row Count 11 (+ 11)
\hhline{>{\arrayrulecolor{DarkBackground}}----}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Statutory demand}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Rule 96 Bankruptcy Rules \newline % Row Count 1 (+ 1)
Creditor shall make reasonable attempts to effect personal service of the Statutory Demand \newline % Row Count 3 (+ 2)
Where  the creditor  is not able  to effect personal service, the demand may be served by way of substituted service (by such other means as would be most effective in bringing the demand to the notice of the debtor) \newline % Row Count 8 (+ 5)
Upon being served with a Statutory Demand, the debtor may: \newline % Row Count 10 (+ 2)
(a) pay/secure/compound the debt; or \newline % Row Count 11 (+ 1)
(b) apply to set aside the Statutory Demand; or \newline % Row Count 12 (+ 1)
(c) fail/refuse/neglect to comply with the Statutory Demand \newline % Row Count 14 (+ 2)
Rule 97 Bankruptcy Rules \newline % Row Count 15 (+ 1)
Debtor  who  has  been  served  with  a  Statutory Demand may: \newline % Row Count 17 (+ 2)
(a) within 14 days; or \newline % Row Count 18 (+ 1)
(b) where the demand was served outside jurisdiction, within 21 days, \newline % Row Count 20 (+ 2)
from the date on which the demand  is served apply  to court by way of Originating Summons for an order setting aside the Statutory Demand \newline % Row Count 23 (+ 3)
Section 62 BA \newline % Row Count 24 (+ 1)
Debtor is presumed unable to pay debt if:  \newline % Row Count 25 (+ 1)
Debt is immediately payable and  \newline % Row Count 26 (+ 1)
at least 21 days have elapsed since the Statutory Demand was served, the debtor has neither complied with it \newline % Row Count 29 (+ 3)
Rule 102 Bankruptcy Rules \newline % Row Count 30 (+ 1)
} \tn 
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Statutory demand (cont)}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Bankruptcy application based on Statutory Demand – application shall not be made if Statutory Demand was served more than 4 months before the date of filing of the application% Row Count 4 (+ 4)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Execution of Judgment Debt}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Writ of Seizure and Sale \& Garnishee Order \newline % Row Count 1 (+ 1)
Section 62 BA \newline % Row Count 2 (+ 1)
Debtor is presumed unable to pay debt if:  \newline % Row Count 3 (+ 1)
Execution in respect of judgment debt has been returned unsatisfied in whole or in part \newline % Row Count 5 (+ 2)
Rule 103 Bankruptcy Rules \newline % Row Count 6 (+ 1)
The application shall not be filed if more than 4 months have elapsed since the date on which the execution was completed.% Row Count 9 (+ 3)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{x{8.635 cm} x{8.635 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{17.67cm}}{\bf\textcolor{white}{Bankruptcy Application}}  \tn
% Row 0
\SetRowColor{LightBackground}
Debtor & Creditor \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{2}{x{17.67cm}}{Documents required:} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
Debtor's Bankruptcy Application & Creditor's Bankruptcy Application \tn 
% Row Count 4 (+ 2)
% Row 3
\SetRowColor{white}
Affidavit & Affidavit \tn 
% Row Count 5 (+ 1)
% Row 4
\SetRowColor{LightBackground}
- & Affidavit of Service \tn 
% Row Count 6 (+ 1)
% Row 5
\SetRowColor{white}
\mymulticolumn{2}{x{17.67cm}}{Steps:} \tn 
% Row Count 7 (+ 1)
% Row 6
\SetRowColor{LightBackground}
1. Deposit \$1,600 with OA & 1. Lodgement Form to deposit \$1,600 with OA \tn 
% Row Count 10 (+ 3)
% Row 7
\SetRowColor{white}
2.File Bankruptcy Application and Affidavit in High Court & 2. File Bankruptcy Application and Affidavit in High Court \tn 
% Row Count 13 (+ 3)
% Row 8
\SetRowColor{LightBackground}
3. Hearing date given by High Court Registry & 3. Hearing Date given by High Court Registry \tn 
% Row Count 16 (+ 3)
% Row 9
\SetRowColor{white}
- & 4. Personal service on Debtor (Rule 109) / Substituted Service \tn 
% Row Count 20 (+ 4)
% Row 10
\SetRowColor{LightBackground}
- & 5. Proceed to bankruptcy hearing \tn 
% Row Count 22 (+ 2)
% Row 11
\SetRowColor{white}
- & 6. Prior to hearing, creditor to file affidavit of service og BA and addidavit of non-satisfaction of debt \tn 
% Row Count 28 (+ 6)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Receipt of Creditor's Bankruptcy Application}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{After being served with the application, the debtor may: \newline % Row Count 2 (+ 2)
(a) pay up/ secure/compound the debt or \newline % Row Count 3 (+ 1)
(b) fail/neglect/ refuse to pay the debt or \newline % Row Count 4 (+ 1)
(c) oppose the application  \newline % Row Count 5 (+ 1)
Rule 119 Bankruptcy Rules \newline % Row Count 6 (+ 1)
Where the debtor intends to oppose a creditor's bankruptcy application, … not later than 3 days before the hearing — \newline % Row Count 9 (+ 3)
file  a  notice  specifying  the  grounds  of objection  \newline % Row Count 11 (+ 2)
serve copy of the notice on the applicant creditor and the Official Assignee% Row Count 13 (+ 2)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Effect on Bankruptcy application}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Section 77(1) of the BA \newline % Row Count 1 (+ 1)
  Where a person is adjudged bankrupt, any disposition of property made by him during the period beginning with the day of the making of the bankruptcy application and ending with the making of the bankruptcy order shall be void except to the extent that such disposition has been made with the consent of, or been subsequently ratified by, the court.% Row Count 9 (+ 8)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Bankrupty Hearing}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{17.67cm}}{Who may attend} \tn 
\mymulticolumn{1}{x{17.67cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Creditor making application/ Debtor/ Any Creditor who has given notice to court in Form 5 Bankruptcy Rules/ Official Assignee} \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Where} \tn 
\mymulticolumn{1}{x{17.67cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}High Court; in Chambers (Sections 3-4 BA)} \tn 
% Row Count 6 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{17.67cm}}{Before whom} \tn 
\mymulticolumn{1}{x{17.67cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}The Registrar (Section 5 BA)} \tn 
% Row Count 8 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Powers of Court} \tn 
\mymulticolumn{1}{x{17.67cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}To adjourn/ give directions/ refer to DRS/make Bankruptcy Order/order stay of proceedings} \tn 
% Row Count 11 (+ 3)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{17.67cm}}{What happens} \tn 
\mymulticolumn{1}{x{17.67cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Court decides on: Whether the Debtor is insolvent/ Whether a Bankruptcy Order should be made} \tn 
% Row Count 14 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Bankruptcy Hearing}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Section 65(1) BA \newline % Row Count 1 (+ 1)
Court may make an order for bankruptcy where \newline % Row Count 2 (+ 1)
(a) the debt has neither been paid nor secured or compounded for; and \newline % Row Count 4 (+ 2)
(b) where the debtor does not appear at  the hearing,  the application has been duly served on him. \newline % Row Count 6 (+ 2)
Section 65(2) BA \newline % Row Count 7 (+ 1)
Court may dismiss the application  : \newline % Row Count 8 (+ 1)
If court not satisfied with proof of debt owed by debtor \newline % Row Count 10 (+ 2)
If court not satisfied with proof of service  \newline % Row Count 11 (+ 1)
If court satisfied that debtor can pay debt \newline % Row Count 12 (+ 1)
If court satisfied that debtor has made offer to secure or compound debt – offer is unreasonably refused \newline % Row Count 15 (+ 3)
If court satisfied that there are other sufficient reason not to make order.% Row Count 17 (+ 2)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Debt Repayment Scheme}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Requirements for Eligibility: \newline % Row Count 1 (+ 1)
- Debts owed are less than \$100,000,  \newline % Row Count 2 (+ 1)
- Not bankrupt within last 5 years \newline % Row Count 3 (+ 1)
- No voluntary arrangement within last 5 years  \newline % Row Count 4 (+ 1)
- No DRS within last 5 years \newline % Row Count 5 (+ 1)
- Not sole-proprietor/partner \newline % Row Count 6 (+ 1)
- Earning a regular income \newline % Row Count 7 (+ 1)
Where eligible, at Bankruptcy Hearing, Court will adjourn Bankruptcy Application for OA to assess on  suitability of DRS \newline % Row Count 10 (+ 3)
If OA assesses that DRS is unsuitable, OA will issue Notice of Unsuitability -\textgreater{} Bankruptcy Hearing \newline % Row Count 12 (+ 2)
If OA assesses that DRS is suitable, OA will administer DRS.  Bankruptcy Application withdrawn. \newline % Row Count 14 (+ 2)
Where DRS is implemented by debtor fails to provide information or complies with scheme,  \newline % Row Count 16 (+ 2)
- Certificate of Failure of DRS (Section 56M BA) \newline % Row Count 17 (+ 1)
- Deemed to be insolvent \newline % Row Count 18 (+ 1)
- Creditor can take out another Bankruptcy Application  \newline % Row Count 20 (+ 2)
Section 62 BA : presumed to be unable to pay the debt if : \newline % Row Count 22 (+ 2)
- Certificate of Inapplicability for DRS \newline % Row Count 23 (+ 1)
- Certificate of Failure of DRS \newline % Row Count 24 (+ 1)
- Revocation of Certificate of Completeness for DRS% Row Count 26 (+ 2)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Bankruptcy Order}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Rule 128 Bankruptcy Rules \newline % Row Count 1 (+ 1)
Bankruptcy Order (Form 8) issued by the Court \newline % Row Count 2 (+ 1)
Rule 129 Bankruptcy Rules \newline % Row Count 3 (+ 1)
Applicant creditor shall serve Bankruptcy Order on OA \newline % Row Count 5 (+ 2)
Rule 131 Bankruptcy Rules \newline % Row Count 6 (+ 1)
OA shall cause the Bankruptcy Order to be advertised in the local newspapers% Row Count 8 (+ 2)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Effect of Bankruptcy}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Section 81 BA \newline % Row Count 1 (+ 1)
Debtor is required to disclose all assets and liabilities to the Official Assignee \newline % Row Count 3 (+ 2)
Produce Statement of Affairs within 21 days of date of Bankruptcy Order \newline % Row Count 5 (+ 2)
Creditors will be notified to submit their Proof of Debt against the bankrupt – Proof of Debt may be submitted online via the IPTO website \newline % Row Count 8 (+ 3)
And other disqualification% Row Count 9 (+ 1)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{x{8.635 cm} x{8.635 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{17.67cm}}{\bf\textcolor{white}{Ending Bankruptcy}}  \tn
% Row 0
\SetRowColor{LightBackground}
Discharge & Annulment \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Bankruptcy ends as a consequence of fulfilment of obligations under bankruptcy & Bankruptcy order removed because it should not have been made in the first place or all the debts and expenses have not been paid \tn 
% Row Count 8 (+ 7)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
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\begin{tabularx}{17.67cm}{x{6.2172 cm} x{11.0528 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{17.67cm}}{\bf\textcolor{white}{Discharge}}  \tn
% Row 0
\SetRowColor{LightBackground}
By Court (s124) & By Official Assignee (s125) \tn 
% Row Count 2 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Discharge by Court}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{17.67cm}}{Who can apply} \tn 
\mymulticolumn{1}{x{17.67cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Official Assignee/ Bankrupt/ Any person having interest} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{When can apply} \tn 
\mymulticolumn{1}{x{17.67cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}at any time and for any debt size} \tn 
% Row Count 5 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{17.67cm}}{What can the Court do} \tn 
\mymulticolumn{1}{x{17.67cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Refuse to discharge/ Discharge/ Discharge with conditions} \tn 
% Row Count 8 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{17.67cm}}{Creditor can object but Court has the discretion: \newline - Length of bankruptcy \newline - Amount of debt owed \newline - Amount of dividend \newline - Conduct of bankrupt \newline - Reason for bankruptcy \newline - Reason for objection}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Discharge by OA}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{17.67cm}}{What conditions are there?} \tn 
\mymulticolumn{1}{x{17.67cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Min 3 years and debts proved must not exceed \$500k} \tn 
% Row Count 3 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{17.67cm}}{Creditors can first raise objections to the OA (S126(2))  \newline If OA rejects the creditor's objection, creditor may then apply to Court to prohibit the OA from issuing the Certificate of Discharge (S126(4))}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Annulment}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{Annulment by the Court – S 123 BA \newline % Row Count 1 (+ 1)
Circumstances : \newline % Row Count 2 (+ 1)
(a) the order ought not to have been made; \newline % Row Count 3 (+ 1)
(b) both the debts and the expenses of the bankruptcy have all either been paid or secured for to the satisfaction of the court; \newline % Row Count 6 (+ 3)
(c) proceedings are pending in Malaysia under the bankruptcy law of Malaysia and that distribution ought to take place there; or \newline % Row Count 9 (+ 3)
(d) a majority of the creditors are resident in Malaysia, and that his estate and effects ought to be distributed among the creditors under the bankruptcy law of Malaysia. \newline % Row Count 13 (+ 4)
Annulment by OA – S 123A BA \newline % Row Count 14 (+ 1)
OA may issue a certificate annulling a bankruptcy order … the debts which have been proved and the expenses of the bankruptcy have all, since the making of the order, been paid. \newline % Row Count 18 (+ 4)
Annulment by OA – S 95A BA  \newline % Row Count 19 (+ 1)
Where a composition or scheme is accepted by the creditors by a special resolution under section 95, the Official Assignee may annul the bankruptcy order by issuing a certificate of annulment.% Row Count 23 (+ 4)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{17.67cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{17.67cm}}{\bf\textcolor{white}{Effect of Discharge}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{17.67cm}}{S127  \newline % Row Count 1 (+ 1)
Release from all debts provable in the bankruptcy  \newline % Row Count 3 (+ 2)
No release from : \newline % Row Count 4 (+ 1)
any debt due to the Government;  \newline % Row Count 5 (+ 1)
any provable debt which incurred in respect of fraud or fraudulent breach of trust to which he was party;  \newline % Row Count 8 (+ 3)
any liability in respect of a fine imposed for an offence. \newline % Row Count 10 (+ 2)
any debt which has been proved and which —  \newline % Row Count 11 (+ 1)
	(a) consists a liability to pay damages in 	respect of personal 	injuries to any person; \newline % Row Count 13 (+ 2)
	(b) arises under any order made in proceedings under the 	Women's Charter relating to family matters; or \newline % Row Count 16 (+ 3)
	(c) arises under an order involving the confiscation of the 		proceeds of crime. \newline % Row Count 18 (+ 2)
S128 \newline % Row Count 19 (+ 1)
A discharged bankrupt shall give assistance as OA requires in the realisation and distribution of such of his property as is vested in the OA \newline % Row Count 22 (+ 3)
If the discharged bankrupt fails to give assistance to OA — \newline % Row Count 24 (+ 2)
(a)he shall be guilty of an offence and shall be liable on conviction to a fine not exceeding \$10,000; and \newline % Row Count 27 (+ 3)
(b)the court may, if it thinks fit, revoke his discharge.% Row Count 29 (+ 2)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}



\end{document}