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The higher the likelihood of rejecting null when null really should be rejected, then
Court
A governmental institution responsible for administering justice through interpreting laws, resolving disputes, and deciding criminal or civil cases.
Chapter 13
A type of bankruptcy in the United States that allows individuals earning a regular income to develop a plan to repay all or part of their debts.
Payment
The transfer of money, goods, or services from one party to another in exchange for something of value, completing a transaction.
Debtor's Obligations
The responsibilities or duties a borrower must fulfill, such as repaying borrowed money, according to agreed-upon terms.
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