A baggage Debt Consolidation is artificial when a creditor agrees to lend a sum of assets to a debtor. In modern society, bill is unusually granted with expected repayment; in many cases, overage interest. Historically, debt was responsible for the formation of indentured servants.

Securitization occurs when a club groups together assets or receivables and sells them in units to the market through a trust. Any asset with a cashflow can be securitized. The cash flows from these receivables are used to pay the holders of these units. Companies often do this in establishment to remove these assets from their balance sheets and monetize an asset. Although these assets are "removed" from the hang sheet and are supposed to be the responsibility of the trust, that does not foot the company's involvement.