Με την τελευταία τροποποίηση του Νόμου Κατσέλη (Ν3869/2010) παρέχεται η δυνατότητα σε υπερχρεωμένα φυσικά πρόσωπα να ρυθμίσουν-διαγράψουν οφειλές τους προς το Δημόσιο (εφορία, ΟΑΕΕ, ΕΤΑΑ, ΟΤΑ, λοιπά ασφαλιστικά ταμεία), με την προυπόθεση να έχουν έστω και μία οφειλή προς Τράπεζα. Η παραπάνω δυνατότητα δίνει ανάσα κυρίως σε χιλιάδες ελεύθερους επαγγελματίες και μικροεμπόρους που έχουν για πρώτη φορά την ευκαιρία να ρυθμίσουν ή και να διαγράψουν οφειλές τους προς την εφορία (από φόρο εισοδήματος, ΦΠΑ κ.λ.π.) αλλά και προς τον ΟΑΕΕ. Την ίδια φυσικά δυνατότητα έχουν και όλα τα υπερχρεωμένα φυσικά πρόσωπα (δημόσιοι, ιδιωτικοί υπάλληλοι κ.λ.π.) Ακόμα και όσοι έχουν ήδη καταθέσει αίτηση υπαγωγής στ
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