Section 4(4) in Gujarat Rural Debtors' Relief Act, 1976
(4)On receipt of an application from a debtor under sub-section (2), the debt settlement officer shall, after making such inquiry as he thinks fit and after giving to the creditor concerned an opportunity of being heard, make an order granting such relief to the debotor as he may appear to be entitled to, or make an order rejecting the application of the debtor, as the case may be.
