One day Yao-shan Wei-yen (750-834), one of the well-known Chinese Ch'an master, was asked by the host of the monastery to give his sermon to the assembly who for a long while was expecting his teaching. Yao-shan said: "Strike the bell."
The court recognises that YOU are liable for civil action. Why? Because you owe me money. So, please honour your agreed repayment-protection-plan-rearrangement within the next 14 days. And everything will be groovy, fine and dandy. Howdy doody generous is that?