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Yet it would make debtors repay more of their credit card debt after they emerge from bankruptcy, forcing those on modest incomes to put repayment to credit card companies in competition with paying for child care.
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But the Texan energy giant managed to put off repayment of some debts until mid-December.
Proceeds are usually put toward repayment of some of the debt used to acquire the companies, as well as to pay dividends to their private equity sponsors.
There is little data for the informal sector, but microfinance lenders operating in the region put the repayment rate for official loans as high as 99.8%.
The current club had put a repayment plan in place to cover that money and the chief executive, Rod Findlay, has stated that around a quarter of the amount owed has already been paid.
But about two-thirds of the people who received any help were put on repayment plans that simply allowed them to catch up on missed payments and back interest.
Students still in school may consolidate their loans by asking that the loans be put into repayment status early.
Under FSA regulations, which will come into force in April 2014, lenders will have to put this repayment plan under greater scrutiny with a full affordability assessment.
It has also put back the repayment of existing loans of £30.6m owed to Veronis Suhler Stevenson to 12 July.
The Greek and Irish bailout deals wrongly put the full repayment burden on the hard-pressed taxpayers of these two countries, sparing the rich country creditors who made big profits lending to what they should have known were risky borrowers.
Typically, consumers who are behind on their mortgages but hoping to stay in their homes invoke Chapter 13 bankruptcy because it puts creditors on hold, giving borrowers time to put together a repayment plan.
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