Once upon a time, in a certain town there was a coffin maker who opened and was running a store where he sold the coffins he made himself to the customers in the neighborhood. The popuplation in the town increased day-by-day.
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?