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again, don't know how it works in Scotland but here in England before the new Act, if there was any surplus from income after expenses, a percentage only, usually around 50% was taken in the form of an IPO. A bankrupt could apply to the Court for a reduction in an Income Payments Order if circumstances had changed. However with only a percentage of any surplus being taken it would be assumed that you would have sufficient funds to cover emergencies such as you state. I would have words with whoever is in control of your estate in bankruptcy.
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