4- ويشير الدليل أيضا الى بعض الاستبعادات العامة من حوزة الإعسار، خاصة في حالة المدينين الذين يعتبرون أشخاصا طبيعيين.
However, the draft Guide noted that, where secured assets were included in the estate and were therefore subject to the effects of commencement of proceedings, certain protections might be required.