https://harboe-adcock.blogbrig....ht.net/an-unbiased-v
https://solis-becker.federated....journals.com/the-bes
https://forsyth-christensen.th....oughtlanes.net/indic
https://cooke-hviid-2.technetb....loggers.de/the-fact-
https://www.openlearning.com/u..../rodgersjernigan-sm1
債務舒緩計劃適合牽涉較少債權人的債務人，申請人可自行與銀行或財務公司分別商討，根據實際狀況提出雙方有利的還款協議，例如將信用卡結欠轉為私人貸款、延長還款期、降低利息之類。
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