Progress has been slow because many debtors are either unwilling to face reality or still have some concerns, such as whether they can renegotiate their payment schedule even if they have no income.
協商進度牛步化的原因在於，不少卡債族不願站出來面對現實，或者心中仍有疑慮，例如沒有收入者可不可以進入協商？