Mortgage brokers have said they are encountering more cases of banks doing deals with customers struggling with unsustainable debts.
In cases where borrowers have homes repossessed and sold, some banks are simply closing the file instead of pursuing borrowers for an outstanding debt.
Michael Dowling, spokesman for the Independent Mortgage Advisors Federation, said he is seeing more cases of banks willing to "park" debts after homes are repossessed.
However, New Beginning, the not-for-profit organisation which acts for heavily indebted borrowers, has said there are dangers with banks parking debts.
Spokesman Ross Maguire said it can act as a disincentive for people to try to earn more money.
He said when people are left with a residual debt after a house is sold there are mechanisms for these borrowings to be dealt so the customers pay what they can over three to five years.