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It said that between 1 January 2007 and 31 October 2008, Kensington had concentrated on getting its customers to repay arrears over a short period of time rather than agreeing arrangements based on their circumstances and ability to pay.
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A clarification that firms must not apply a monthly arrears charge if the customer has entered an arrangement to repay the arrears.
The remaining €1bn will probably be used to repay state arrears, it said.
Mr Tsipras added that the country was already seeing the benefits of his strategy, with the introduction of a new law making it easier to repay tax arrears leading to 100 million euros in a week.
A Chapter 13 bankruptcy involves a plan that allows the homeowner to repay the mortgage arrears over a period of three to five years.
Peru faces an April 14 deadline to repay about $70 million in arrears to the fund.
According to HMRC, last year a single social care provider was ordered to repay over £600,000 in arrears of wages to almost 3,000 workers, after it was found not to have paid its staff for travelling time and other hours worked.
It will use another tranche of the loan to repay €2bn to the IMF to clear arrears, freeing the fund to lend Greece more money.
In mid-October it was reported that Ukraine's gross domestic product had shrunk by 1.7% compared with the same period in 1998, while over the same period the government had managed to repay only 5% of its $524 million pension and wage arrears.
Secondly, the file details your repay ment history, warning lenders if you have been in arrears or have defaulted on a credit agreement.
But under its statutes, it can only do this for 12 months; thereafter, a debtor in arrears risks eventual suspension from membership.Argentina is due to repay $10.8 billion to the IMF by December 2003, but has only $9.4 billion in reserves.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com