Thanks for your reply. I don't have a home loan nor am I looking for a theory or magical way to do anything. I'm simply studying and learning both what is and what isn't. How do you discharge a debt or set-off a debt then, what's the 1.2.3? Why am I hearing stories of debts being discharged and/or setoff all over the place online for the last three years like an epidemic? I've heard either acceptances or setoff bonds are being used to balance accounts?