I am suggesting that in the new system, a credit ding would come along with the debt reduction. In fact, elsewhere on this thread, I suggested that perhaps the

I am suggesting that in the new system, a credit ding would come along with the debt reduction. In fact, elsewhere on this thread, I suggested that perhaps the size of the ding would be proportional to the size of the debt reduction. This gives the debtor more incentive to pay as much as possible.