Debt out of the system (Informal Debt) as phutkwang mentioned the money outside the system, such as a quick source of income outside of the informal system of personal loans, liabilities arising from the loan from creditors to release the loan in addition to the system is not a financial institution that is legally payable (Creditor), these do not have legal capacity, and come in the same way, the law did not protect the receivables (Debtor) to loan out most of the receivables the same system that allow informal, even though it must be payable, interest at a rate higher than the very reality that need to borrow because they may not have access to. Lenders are financial institutions of the State.
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