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7. File for bankruptcy protection [link widoczny dla zalogowanych] Extensions have been exhausted All lenders must guaranty that the information provided by consumer is secure and totally confidential. Lenders can not share consumerâs personal information with any third party. If the consumer can not pay back the borrowed finances, lender can take following measures: charge the consumer late fees, contact to collector agency, report to consumer credit agency, renew or extend consumerâs loan term.