Credit on almost all terms would be higher than the economic reality of those conditions. However, counsel for the debtor had signed the affidavit in which he stated that the debtor had been fully informed of the consequences of the proposed confirmation and that the lawyer believed that the agreement would not impose unreasonable harshness, when the debtor already had a negative monthly cash flow of more than 750 $US. (333) Unlike these creditors, other parties who are creditors of fewer bankruptcies may not be profitable to be in the corridors of the courthouse to obtain new confirmations. In addition, creditors who follow the most conservative and prudent credit practices after bankruptcy may not be willing to pay bankrupt debtors for other payments. The most common incentives were threats to property, threats to reputation and reputation, and offers of extra money. (305) Concerns about these practices underscored the Commission`s report on the 1973 US bankruptcy legislation: 351 See In re Turner, 208 B.R. 434, 436 (Bankr.C.D. Ill. 1997) (as a result of the streamlining of the confirmation process, problems arose in the Central District of Illinois and elsewhere, “including the filing of unsecured stand-by arrangements, in which debtors received no consideration, the filing of stand-by agreements without the signature of creditors, and the filing of stand-by agreements intended to resolve non-cancellation proceedings that allow: that debtors are strongly equipped to conclude an agreement which is not verified by the Court of Justice”… .