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[tulaka]

Just take a look how interesting and simple were the things credits/debts, and what do we have now?
Compare

with In ancient Greece, the lender used to set plate on the debtor's land, meaning that in case the debt is not paid out, the property goes to the creditor's land. The plate was called "mortgage".

Winston Churchill said that a state's reputation is assessed best basing on the amount that the given state can borrow.
If you lived in England's XVI century and you were a debtor, the only way to avoid arrests was to stay home, since there was a law that prohibits arresting debtors in their home.
The Medieval Arabs were not allowed to lend money at rates. But, there was a way to fool the law.
During the growth of the Rome Republic (if the debt was not paid within 60 days), the borrower remained without property. But what is really sad is that they remained with no honour.

[joseph]

Well....The Cubic Evolution Personal Debt Management System provides for end-to end management of Individual Voluntary arrangements and Debt Management Plans. PDMS is a web-based system which has components for the management of call handling, pre-appointment and post-appointment data.