life has begun, but has not yet strengthened, so before the iturup fish farmers the task is to createn into healthy grinds in a year. we raise the water level, they rise to the light, and we feed them for about a month, a little more, we feed pink salmon up to 300 mg, whales up to ... then well, the question arises, who are the rest of these creditors, because they kind of see the amounts that the credit history gives them credit history bureaus, so physically, so to speak, they do not always see them, but who will be the initiator, the driver of this process, the initiator, if the borrower wants to do such a statement, then that's it, this settlement procedure begins, all collection actions are suspended for 30 days, well, that is, you can't file a lawsuit. there you can't do a restructuring, you can't sell this loan and so on, so during these 30 days all creditors must meet and try to find a mutually acceptable solution, well , mutually acceptable solutions, they can be listed, a reduction in the interest rate, an increase in the loan term, let's say a new instrument is not envisage