Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

Is it necessarily the case that it has to be the original contract? I understand that it does not have to be the original contract. I understand that if one restructures the loan, for example, that allows for a different interest rate or a term extension, if the borrower meets those requirements over a period of time he or she comes out of NPL. Is it the case the borrower does not have to go back to the original contract?