I understand what the Minister says, and I appreciate that he says that he has never dealt with such matters professionally, but he has misunderstood—albeit genuinely—the effect of the Bill. In my experience, and that of my hon. Friend the Member for Beaconsfield, the innocent little person will lose out because the state's rights will take preference over all creditors. We do not challenge the fact that outstanding debts will still count in law, but there will be no money left to pay them.

Although the hon. Member for Lewes was describing an ordinary civil bankruptcy, the consequences that befell the builder that he mentioned will recur as a result of the Bill. Perhaps the Government are prepared to introduce their own amendment to prevent such consequences. We hope so, even if they do not accept our amendment. As a consequence, all the money will be taken under subsection (1)(b) and subsection (3), and there will be no money left to pay ordinary civil debts.