Government amendment No. 45: In page 50, between lines 21 and 22, to insert the following:?(3) A debtor shall not be eligible to make a proposal for a Debt Settlement Arrangement where 25 per cent or more of his or her debts (other than excluded debts and secured debts) were incurred during the period of 6 months ending on the date on which an application is made under section 54 for a protective certificate.?.