early repayment of debts, loan closure. a late payment spoils your credit score. refusal to refinance and restructure debt that

bankruptcy debt pay loan closure restructuring sanctions refusal restructure refinance spoils credit score late banking bankrupt business collection agencies company utilization creditworthiness crisis cuts burden deposit discounts economic economy finance financial forgiveness hardship interest rates payment history plan performance problem reducing reduction refinancing relief repossession sale settlement early repayment lead looming