The Consumer Debt Clearance Statute Article 29

The claims under the following Subparagraphs are inferior claims and may be repaid only out of the balance after other claims are repaid. The same shall apply to the case after termination or conclusion of the rehabilitation or liquidation process:1. The portion exceeding 2% of annual rate of the principal of the total amount of damage compensation, default penalty and other expenses arising from the default on performance of monetary debts before the court's ruling on the initiation of the rehabilitation or liquidation process. The same shall apply to any damage compensation, default penalty or other expense for secured or preferential claims. 2. Interests accrued after the court's ruling on the initiation of the rehabilitation or liquidation process. 3. Damage compensation and default penalties arising from the default on the performance of debts after the court's ruling on the initiation of the rehabilitation or liquidation process. The same shall apply to damage compensation and default penalties for secured or preferential claims.4. Penalties, fines, default surcharges, overdue charges, delinquent reporting surcharges, late report fees, non-reporting surcharges, and additional levies. If there are provisions in the law for claims under subparagraph 4 of the preceding paragraph, such provisions shall govern. The creditor may not request the debtor to return the expenses paid for his/her participation in the rehabilitation or liquidation process.