In addition, in the last ten years, they must not have had a previous debt contract or have gone bankrupt. There are also thresholds for assets, income, and total unsecured debt (for more information, contact Safe Debt Management). The reform provides for a new relationship between payment and debtors` income, which should ensure the affordability of repayments by the debtor, and a doubling of the asset threshold that would allow those who benefit from this increased equity in housing to access the system. Debt agreements under the reform are now limited to three years compared to the current practice of four to five years. Reaching a debt agreement is a serious step in taking steps to pay off insurmountable debts.