Normally, there is a market mechanism to deal with this problem, such as banks separating these debts as bad debts because further legal action may not be worthwhile. Banks may also sell these debts to professionals, such as debt management companies, to manage them, which may require negotiations to reduce the outstanding debt so that the debtor can pay off the outstanding debt without having to go into debt haircut. The debt management company will then negotiate with the debtor and make a profit from that.
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