Joan Burton (Dublin West, Labour) | Oireachtas source

The most common debt due to an individual is where a person has a deposit in a bank, the bank is holding the person's money and that money is owed to the individual. It is implicitly moneys on deposit with institutions such as banks but it could be held by other people. If they have such moneys, they would be taken into account in the broad consideration of their capacity to repay. I am not suggesting that anybody would ever arrange that, it is in case that would happen, but it is to ensure we can take a reasonable view of what is the person's capacity to repay.