👉 The process of removing or reducing the credit value of a debt, typically in order to prevent it from being repaid. This can be done by transferring the amount owed into an account that is not directly related to the original obligation, such as a savings account, checking account, or credit card balance. For example, if someone owes $100 on a credit card and decides to transfer $50 into a savings account instead of repaying the full amount, this action can be considered un
