As the KO novella of 1993 went into effect, the exceptional provisions for the exculpation of natural persons was embedded into the bankruptcy act of that time. From this moment on, there were two possibilities for debtors facing personal bankruptcy: The debt regulation procedure, which was connected to a payment schedule approved by the debtor and the levy process as a last way out. At the end of the usually 7 yearlong levy process, the debtor has to reach a minimum quote of 10%. If the debtor is able to reach this goal, they will receive an outstanding liability exemption, which they are still able to receive in case they fall bellow the quote. § 213 IO provides equitable reasons of the bankruptcy court standing by each other in subsidiarity. There is no final regulation on the equitable reasons in § 213 IO, which creates confusion when it comes to application. There is also disagreement concerning the permitted lower deviation oft he minimum quote. This paper therefore lays its focus on the discussion of the equitable reasons mentioned in the law, respectively a simplification of the procedure and an optimization of debt relief of natural persons from the point of view of legal policy. This paper furthermore provides an insight into the planned changes accompanying the insolvency law amendment act 2017, which might fundamentally change the levy process.