A bond is a albatross security issued by undoubting institutions such as companies and governments. A bond entitles the holder to repayment of the principal sum, plus interest. Bonds are issued to investors in a marketplace when an institution wishes to borrow money.

In this case, the creditor hopes to regain something equivalent to the debt and interest in the form of dividends and capital gains of the borrower. The Debt Consolidation "repayments" are therefore proportional to what the borrower earns and so can not in themselves cause bankruptcy. Once albatross is converted in this way, it is no longer obvious as debt.