Applicant's or partner's have a choice if they
1) give their capital away
2) spend their capital extravagantly or imprudently even if
they say they have used it to pay for the necessities of life
3) pay back a debt before the agreed date, such as when they
pay off their mortgage and the agreement says it is not due to be
repaid for another 15 years
4) pay more than the amount due on a debt , such as when they
pay more than the minimum payment on a credit card debt
5) pay back a debt which is not legal and incapable of
enforcement.
