have issued notice of payment to Pan for the third time, they are this close to fire a lien, should that happen, Pan will have to file for bankruptcy, which will hurt his job hunting process and any personal credit related applications (visa, housing-this is almost rhetorical eh, loan, and welfare).
The only good news is that Pan's been certified on July 26, 2001 as a person with severe disability, which will help his welfare amount perhaps even the housing application