Who would have made it easier for debtors to pay their creditors?

Historically, figures like bankruptcy reform advocates and economists promoting debt relief measures would have made it easier for debtors to pay their creditors. Legal reforms, such as those introduced in bankruptcy laws, aimed to provide structured repayment plans and protections for debtors. Additionally, financial educators and non-profit organizations offering credit counseling services have played a significant role in helping debtors manage their debts effectively.