Introducing the institute of personal bankruptcy, amending the Foreclosure Act, supervising models to define interest rates, proposing debt write-off, rescheduling and issuing a moratorium on servicing loans in case when borrowers are in a very difficult situation, or converting the Swiss franc-pegged loans are some of 20 recommendations which Croatian President Ivo Josipovic forwarded to the government and parliament on Saturday in an attempt to help ease problems faced by over-indebted citizens.
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