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BANKRUPTCY LEGISLATION AMENDMENT BILL 2009 SUBMISSION ON AMENDMENTS by The DEBT AGREEMENT PRACTITIONERS ASSOCIATION Limited. Reference to: Bankruptcy Legislation Amendment Bill 2009 - Explanatory Memorandum

DAPA was invited by the Attorney General to join Bankruptcy Reform Consultative Forum. DAPA is delighted to be involved in bankruptcy reform and the review of the Debt Agreement regime which has been scheduled to commence in June 2010.

28 April 2010 Mr David Bergman Assistant Secretary Bankruptcy Policy Branch Attorney-General’s Department 3-5 National Circuit BARTON ACT 2600 Dear Mr Bergman

As the Australian debt level has reached record levels, Australia is soon being considered as the nation of spenders. While there are people who can’t arrange to pay off their high level of credit card debt,

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Since the reform of the Bankruptcy Act in 2007 a substantial set of changes have taken hold of consumer debt and personal Insolvency. There has been amalgamation and consolidation because of the Global Financial Crisis, pressuring corporations, banks and financial institutions to change their structures and business models.