👉 Holdovers are individuals or groups who have accumulated assets, debts, or other financial obligations that cannot be liquidated quickly or without significant penalties. These individuals may have taken on debt or invested in risky investments, and as a result, their financial situation has not been able to improve quickly enough to allow for immediate repayment of the debts. As a result, they are unable to pay off these debts or other liabilities due to accumulated debts or obligations that cannot be easily liquidated or repaid.
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