Με τρεις «μεθόδους» θα μπορούν σύντομα να διευθετούν ή να απαλλάσσονται από τα χρέη τους τα φυσικά και νομικά πρόσωπα, βάσει των διατάξεων του νομοσχεδίου με τίτλο «Ρύθμιση Οφειλών και Παροχή Δεύτερης Ευκαιρίας». Το νέο πλαίσιο, που φιλοδοξεί να αντιμετωπίσει το πρόβλημα του ιδιωτικού χρέους που προσεγγίζει τα 215 δισ. ευρώ, προβλέπει την εξωδικαστική διευθέτηση των οφειλών με τρόπο παρόμοιο με αυτόν που ίσχυε στον «Εξωδικαστικό Μηχανισμό», την προπτωχευτική διαδικασία εξυγίανσης και την πτώχευση. Δυνατότητα ρύθμισης των οφειλών ή απαλλαγής και με τους τρεις τρόπους έχουν φυσικά και νομικά πρόσωπα με πτωχευτική ικανότητα, ενώ για τα φυσικά πρόσωπα χωρίς πτωχευτική ικανότητα (νοικοκυριά), η
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