他认为，债务，包括抵押债务，就像污染一样，债务人考虑不周造成的损失，却是由其他人被迫承担了。
According to Mr Jeanne, debt, including mortgage debt, is like pollution. It imposes costs on others that the borrower fails to take into account.
长期债务包括应付抵押款和应付债券。
Long-term liabilities include mortgages payable and bonds payable.
解决的办法有很多，包括修改破产法，从而允许法官调整抵押贷款债务数额，以及授权特别受托人减免还款额等。
There are plenty of ideas on offer, from changing the bankruptcy law so that judges can restructure mortgage debt to empowering special trustees to write down loans.
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