• The debtor ought to be aware of certain facts- If a debtor settles for less than the amount he is actually required to shell out, he may pay the remaining amount in disguise of a tax. Hence, one should be aware that if the loan amount is below US$600, the same need not be informed to the IRS or the Internal Revenue Services.

• Payments should always be made with physical/paper money and electronic money should be avoided as far as possible.

• Once the debt amount is paid, the same should be recorded in the debtor’s credit report to avoid manipulations.

As a concluding statement it may be said that a debtor ought to be alert about any intended misappropriations so that he may be well prepared for the anomalies that may follow.

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