NEW SECTION Government amendment No. 53: In page 50, before section 54, to insert the following new section: 54.?(1) An excludable debt shall be included in a proposal for a Debt Settlement Arrangement only where the creditor concerned has consented, or is deemed to have consented, in accordance with this section, to the inclusion of that debt in such a proposal. (2) Where a personal insolvency practitioner proposes to include an excludable debt in a proposal for a Debt Settlement Arrangement, he or she shall, without delay, notify the creditor concerned of that fact, which notification shall be accompanied by?(a) such information about the debtor?s affairs (including his or her creditors, debts, liabilities, income and assets) as may be prescribed, and (b) a request in writing that the creditor confirm, in writing, whether or not the creditor consents, for the purposes of this section, to the inclusion of thedebt in a Debt Settlement Arrangement. (3) Subject to subsection (6), a creditor shall comply with a request under subsection (2)(b) within 21 days of receipt of the notification under that subsection. (4) Where a creditor does not comply with subsection (3), the creditor shall be deemed to have consented to the inclusion of that debt in a proposal for a Debt Settlement Arrangement. (5) Where a creditor consents or is deemed to have consented, in accordance with this section, to the inclusion of an excludable debt in a proposal for a Debt Settlement Arrangement, that creditor shall be entitled to vote at any creditors? meeting called to consider that proposal. (6) Where the debtor concerned is the subject of a protective certificate, and a creditor to whom this section applies brings an application under section 58(1) in respect of that protective certificate, the period referred to in subsection (3) shall not commence until the date on which the appropriate court determines the application. (7) In this Chapter, ?permitted debt? means an excludable debt to which subsection (1) applies.?.