At the beginning of the year, with the stock market uncertainty, many lenders decided to allocate more money for real estate.

Once debtors agree to terms the official lenders decide is fair, that leverage will disappear.

The lenders, no longer counting on relief from the courts, decided to negotiate.

The department stores are the collateral for the bank loans, and the lenders have apparently decided they would be better off by not alienating suppliers.

The lender could freely decide what the cap would be as long as there was one.

BUT what if the lender does decide to make such a late-day review?

Outside investors or lenders could decide to withdraw their support at any time.

If so, lenders could decide they are comfortable with the higher debt levels or they could call in their loans.

By giving points based on the information supplied on the application form, the lender decides whether to give people credit.

As long as they are meeting certain profit targets, some lenders may have decided to tolerate the losses.