Jodie is a well-known local business person who has a flour supply business. She loaned $10000 to Kelly, one of her customers, to help Kelly renovate the building where she operates her bakery business in September 2014. The business has struggled since. After repaying $1000 of the loan, in January 2015, Kelly stopped making the $250 monthly payments they had agreed on. Should Jodie apply for a bankruptcy order against Kelly? What else would you want to know if you were Jodie to help you to decide what to do?