The problem of court incapacity

The problem of court incapacity is compounded by the fact that a low number of cases is being finalized on a consentual basis between credit providers and debt counsellors. There are indications that this is due to the absence of widely accepted and applied debt re-arrangement rules and a lack of confidence by debt counsellors in the National Debt Mediation Association that was created to assist consumers in arriving at settlements with credit providers.